Best Credit Cards For Dining (Miles vs Cashback)

Card rating ^{Suitesmile's overall rating of this card (out of 5), all things considered. This includes how it compares against alternative miles/cashback cards, its annual fee, and how easy (or hard) it is to achieve the advertised benefits.}:
Ease of use ^{A rating (out of 5 stars) of how easy it is to achieve the maximum earn rate and other benefits advertised by this card.}:
Minimum annual income:• S’porean/PR: S$15,000 – S$30,000 ^{S$30,000/year if aged 55 and below; S$15,000/year if aged 56 and above.}
• Foreigner: S$40,000Annual fee: S$196.20 (first year waived; request waiver every year)

 Earn 4 mpd on two bonus categories, up to S$600 per calendar month each (total S$1,200):1) Mobile Contactless (e.g. Google Pay, Apple Pay)
2) Online Spending (selected MCCs only) No minimum spending

⚠️ 0.4 mpd earn rate on non-bonus spending
⚠️ Online Spending category is MCC-sensitive
⚠️ S$5 earning block ^{Transactions under S$5 earn zero miles.}
⚠️ 2-year miles expiry term
⚠️ Only 2 useful miles transfer partners
⚠️ 3.25% foreign transaction fee

📄 Quick review

More information on the

UOB Preferred Visa Card

Suitesmile rating:

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✍️ Short summary
This card gives you a strong earn rate of 4 miles per dollar on the following spending categories:

1. Mobile Contactless (e.g. groceries, public transport, dining, shopping, hotels, overseas)
2. Online (e.g. online shopping, food delivery, ticketing)

No minimum spend is required to earn 4 mpd on both categories, but this bonus earn rate is capped at S$600 worth of spending per category, per calendar month (max. total of S$1,200).

The Mobile Contactless category covers a wide range of spending categories, while the Online Spending category is MCC-sensitive.

Take note that cardholders will only earn 0.4 mpd on other categories and spending above the monthly bonus cap.

Before converting UOB UNI$ to miles for the first time, you’d need to enrol in the UOB Rewards Frequent Flyer Conversion programme. It’s best to do this early to avoid delays on your future miles conversions.

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

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💸 Annual fee
S$196.20
(First year waived, request waiver every year after that)

💼 Income requirement
S$30,000/year (S’porean/PR aged 55 and below),
S$15,000/year (S’porean/PR aged 56 and above),
S$40,000/year (Foreigner)

🤑 Foreign currency fee
3.25%

⏰ Miles 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
S$27 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 S$5 spent, plus 9 bonus UNI$ 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

🎁 Sign-up promo

Card rating ^{Suitesmile's overall rating of this card (out of 5), all things considered. This includes how it compares against alternative miles/cashback cards, its annual fee, and how easy (or hard) it is to achieve the advertised benefits.}:
Ease of use ^{A rating (out of 5 stars) of how easy it is to achieve the maximum earn rate and other benefits advertised by this card.}:
Minimum annual income:• S’porean/PR: S$30,000 – S$65,000 ^{Income requirement depends on your Total Relationship Balance (TRB) with HSBC. S$30,000/year if TRB is S$50,000 and above; S$65,000/year if TRB is below S$50,000.}
• Foreigner: S$65,000Annual fee: No annual fee, ever

 Earn 4 mpd on selected contactless and online spending, up to S$1,000 per calendar month ^{Earn 4 mpd on contactless and online transactions, on a wide range of spending categories like retail shopping (online and in-person), dining, flights (direct with airlines only), hotels (excl. online travel agencies like Agoda, Trip.com etc.), food delivery and ride-hailing.}
 Boost bonus earn rate to 8 mpd (up to S$1,200 per calendar month) with a minimum deposit of S$50,000 ^{HSBC customers with a minimum deposit of S$50,000 in the HSBC Everyday Global Account can enjoy an earn rate of 8 mpd (instead of 4 mpd) on selected contactless and online spending.}
 No minimum spending
 3-year miles expiry term
 7 useful miles transfer partners
 Free miles transfers to frequent flyer programs
 Instant miles transfers
 No annual fee, ever

⚠️ 0.4 mpd earn rate on non-bonus spending
⚠️ Poor transfer ratio to KrisFlyer ^{Due to inferior transfer ratio, if/when the points earned on this card are converted to KrisFlyer miles, the bonus earn rate would effectively be 3.3 mpd, instead of 4 mpd.}
⚠️ Bonus categories are MCC-sensitive
⚠️ 3.25% foreign transaction fee

Card rating ^{Suitesmile's overall rating of this card (out of 5), all things considered. This includes how it compares against alternative miles/cashback cards, its annual fee, and how easy (or hard) it is to achieve the advertised benefits.}:
Ease of use ^{A rating (out of 5 stars) of how easy it is to achieve the maximum earn rate and other benefits advertised by this card.}:
Minimum annual income:• S’porean/PR: S$30,000
• Malaysian: S$45,000
• Foreigner: S$60,000Annual fee: S$87.20 (first 2 years waived; request waiver every year)

 Earn 4 mpd on five bonus categories, up to S$1,000 per calendar month:1) Dine (e.g. restaurants, bakeries, food delivery)
2) Shop (e.g. apparels, departmental stores)
3) Travel (e.g. airlines, hotels, travel agencies)
4) Play (e.g. bars, cinemas)
5) Foreign Spend (e.g. almost anything in foreign currencies)

⚠️ Only available to those aged 21 – 39 years
⚠️ Minimum card spend of S$500 per calendar month required for bonus earn rate
⚠️ 0.4 mpd earn rate on non-bonus spending
⚠️ 1-year miles expiry term (no expiry with Maybank’s Rewards Infinite Programme)
⚠️ Only 3 useful miles transfer partners
⚠️ 3.25% foreign transaction fee

Card rating ^{Suitesmile's overall rating of this card (out of 5), all things considered. This includes how it compares against alternative miles/cashback cards, its annual fee, and how easy (or hard) it is to achieve the advertised benefits.}:
Ease of use ^{A rating (out of 5 stars) of how easy it is to achieve the maximum earn rate and other benefits advertised by this card.}:
Minimum annual income:• S’porean/PR: S$30,000
• Foreigner: S$42,000Annual fee: S$196.20 (first year waived; request waiver every year)

 Earn 4 mpd on online spending, selected in-person shopping and in-person overseas spending (via Amaze ^{For in-person overseas spending, the trick is to link the Citi Rewards Card to Amaze, then use the Amaze Card to spend. Such transactions will be seen as 'online' by Citibank, earning you the bonus earn rate.}), up to S$1,000 per statement month
 No minimum spending
 5-year miles expiry cycle ^{Miles/Points expire in 5-year cycles (plus 3 months grace period) from your card approval date. As such, points earned near the end of a cycle will have a shorter expiry term.}
 9 useful miles transfer partners

⚠️ 0.4 mpd earn rate on non-bonus spending
⚠️ Travel-related spending (e.g. flights, hotels) excluded from bonus earn rate
⚠️ In-person shopping bonus earn rate (without Amaze linkage) is MCC-sensitive
⚠️ 3.25% foreign transaction fee (save ~1% via Amaze)
⚠️ Amaze linkage for SGD spending comes with a 1% fee

Card rating ^{Suitesmile's overall rating of this card (out of 5), all things considered. This includes how it compares against alternative miles/cashback cards, its annual fee, and how easy (or hard) it is to achieve the advertised benefits.}:
Ease of use ^{A rating (out of 5 stars) of how easy it is to achieve the maximum earn rate and other benefits advertised by this card.}:
Minimum annual income:• S’porean/PR: S$15,000 – S$30,000 ^{S$30,000/year if aged 55 and below; S$15,000/year if aged 56 and above.}
• Foreigner: S$40,000Annual fee: S$196.20 (first year waived; request waiver every year)

 Earn 4 mpd on 1 chosen bonus category, up to S$1,000 per calendar month ^{Choose 1 bonus category from:
1) Beauty & Wellness
2) Fashion
3) Dining
4) Family
5) Travel
6) Transport
7) Entertainment}
 No minimum spending

⚠️ 0.4 mpd earn rate on non-bonus spending
⚠️ Bonus categories are MCC-sensitive
⚠️ 2-year miles expiry term
⚠️ Only 2 useful miles transfer partners
⚠️ 3.25% foreign transaction fee

📄 Quick review

More information on the

UOB Lady’s Card

Suitesmile rating:

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✍️ Short summary
This card, which is also available to men, gives you a great earn rate of 4 miles per dollar on 1 pre-selected bonus category, up to S$1,000 per calendar month. No minimum spending is required.

Cardholders will only earn 0.4 mpd on other categories and spending above S$1,000 per calendar month.

Cardholders can choose/change a preferred bonus category every quarter.

The 7 bonus categories available are:

1. Beauty & Wellness (e.g. cosmetic stores, hair salons, spas)
2. Fashion (e.g. clothing, shoes stores)
3. Dining (e.g. restaurants, food delivery)
4. Family (e.g. supermarkets, children clothing stores)
5. Travel (e.g. flights, hotels, duty-free stores)
6. Transport (e.g. public transport, taxi, petrol)
7. Entertainment (e.g. bars, night clubs, cinemas)

Cardholders may check existing selected bonus category by calling UOB.

There are 3 main versions of the UOB Lady’s Card (UOB Lady’s Card, UOB Lady’s Solitaire Card, UOB Lady’s Solitaire Metal Card). Each UOB customer can only hold one at a time.

Before converting UOB UNI$ to miles for the first time, you’d need to enrol in the UOB Rewards Frequent Flyer Conversion programme. It’s best to do this early to avoid delays on your future miles conversions.

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💸 Annual fee
S$196.20
(First year waived, request waiver every year after that)

💼 Income requirement
S$30,000/year (S’porean/PR aged 55 and below),
S$15,000/year (S’porean/PR aged 56 and above),
S$40,000/year (Foreigner)

🤑 Foreign currency fee
3.25%

⏰ Miles 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
S$27 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 S$5 spent, plus 9 bonus UNI$ for eligible transactions on the bonus category (equivalent to 4 mpd in total). Base and bonus points are credited immediately when the transaction is posted.

📜 Terms & conditions

📜 Chosen Category MCCs and FAQs

🎁 Sign-up promo

Card rating ^{Suitesmile's overall rating of this card (out of 5), all things considered. This includes how it compares against alternative miles/cashback cards, its annual fee, and how easy (or hard) it is to achieve the advertised benefits.}:
Ease of use ^{A rating (out of 5 stars) of how easy it is to achieve the maximum earn rate and other benefits advertised by this card.}:
Minimum annual income: S$120,000
Annual fee: S$414.20 (first year waived; request waiver every year)

 Earn 4 mpd on two chosen bonus categories, up to S$750 per calendar month each (total S$1,500) ^{Choose 2 bonus categories from:
1) Beauty & Wellness
2) Fashion
3) Dining
4) Family
5) Travel
6) Transport
7) Entertainment}
 No minimum spending

⚠️ 0.4 mpd earn rate on non-bonus spending
⚠️ Bonus categories are MCC-sensitive
⚠️ 2-year miles expiry term
⚠️ Only 2 useful miles transfer partners
⚠️ 3.25% foreign transaction fee

📄 Quick review

More information on the

UOB Lady’s Solitaire Card

Suitesmile rating:

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✍️ Short summary
This card, which is also available to men, gives you a great earn rate of 4 miles per dollar on 2 pre-selected bonus categories, up to S$750 per calendar month each (total S$1,500). No minimum spending is required.

Cardholders will only earn 0.4 mpd on other categories and spendings above the bonus limit.

Cardholders can choose/change a preferred bonus categories every quarter.

The 7 bonus categories available are:

1. Beauty & Wellness (e.g. cosmetic stores, hair salons, spas)
2. Fashion (e.g. clothing, shoes stores)
3. Dining (e.g. restaurants, food delivery)
4. Family (e.g. supermarkets, children clothing stores)
5. Travel (e.g. flights, hotels, duty-free stores)
6. Transport (e.g. public transport, taxi, petrol)
7. Entertainment (e.g. bars, night clubs, cinemas)

Cardholders may check existing selected bonus category by calling UOB.

There are 3 main versions of this card (UOB Lady’s Card, UOB Lady’s Solitaire Card, UOB Lady’s Solitaire Metal Card). Each UOB customer can only hold one at a time.

Before converting UOB UNI$ to miles for the first time, you’d need to enrol in the UOB Rewards Frequent Flyer Conversion programme. It’s best to do this early to avoid delays on your future miles conversions.

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💸 Annual fee
S$414.20
(First year waived, request waiver every year after that)

💼 Income requirement
S$120,000/year

🤑 Foreign currency fee
3.25%

⏰ Miles 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
S$27 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 S$5 spent, plus 9 bonus UNI$ for eligible transactions on the bonus category (equivalent to 4 mpd in total). Base and bonus points are credited immediately when the transaction is posted.

📜 Terms & conditions

📜 Chosen Category MCCs and FAQs

🎁 Sign-up promo

Card rating ^{Suitesmile's overall rating of this card (out of 5), all things considered. This includes how it compares against alternative miles/cashback cards, its annual fee, and how easy (or hard) it is to achieve the advertised benefits.}:
Ease of use ^{A rating (out of 5 stars) of how easy it is to achieve the maximum earn rate and other benefits advertised by this card.}:
Minimum annual income:• S’porean/PR: S$15,000 – S$30,000 ^{S$30,000/year if aged 55 and below; S$15,000/year if aged 56 and above.}
• Foreigner: S$40,000Annual fee: S$218 (first year waived; request waiver every year)

 Earn 4 mpd on two bonus categories, up to S$1,200 per statement month each (total S$2,400):1) Overseas (incl. online in foreign currencies)
2) Local Contactless (e.g. PayWave, Google Pay, Apple Pay), SimplyGo (Public Transport), Fuel

⚠️ Minimum category spend (not card spend) of S$1,000 per statement month required for bonus earn rate
⚠️ 0.4 mpd earn rate on non-bonus spending
⚠️ 2-year miles expiry term
⚠️ Only 2 useful miles transfer partners
⚠️ 3.25% foreign transaction fee

📄 Quick review

More information on the

UOB Visa Signature Card

Suitesmile rating:

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✍️ Short summary
This card gives you a strong earn rate of 4 miles per dollar on two categories:

1. Overseas (incl. online in foreign currencies)
2. Local Contactless (e.g. PayWave, Google Pay, Apple Pay), SimplyGo (bus/mrt), Fuel (excl. SPC, Shell)

To receive the bonus earn rate, a minimum spending of S$1,000 per statement month is required on that particular category, with a category cap of S$1,200 in the same period. You may also enjoy the bonus earn rate on just 1 category in any statement period.

These categories offers broad coverage on spendings like shopping (in-person and online), foreign currency (in-person and online), dining, groceries, flights, hotels, food delivery and ride-hailing.

However, the huge catch is the minimum spending amount that has to be met on that particular bonus category (not general card spend like other cards). For example, if you want to earn 4 mpd on foreign currency spending, you have to spend at least S$1,000 per statement month on foreign currencies.

All other spending earn just 0.4 mpd (uncapped).

Before converting UOB UNI$ to miles for the first time, you’d need to enrol in the UOB Rewards Frequent Flyer Conversion programme. It’s best to do this early to avoid delays on your future miles conversions.

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💸 Annual fee
S$218
(First year waived, request waiver every year after that)

💼 Income requirement
S$30,000/year (S’porean/PR aged 55 and below),
S$15,000/year (S’porean/PR aged 56 and above),
S$40,000/year (Foreigner)

🤑 Foreign currency fee
3.25%

⏰ Miles 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
S$27 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 S$5 spent, plus 9 bonus UNI$ for eligible online and contactless transactions (equivalent to 4 mpd in total). Base and bonus points are credited immediately when the transaction is posted.

📜 Terms & conditions

🎁 Sign-up promo

Card rating ^{Suitesmile's overall rating of this card (out of 5), all things considered. This includes how it compares against alternative miles/cashback cards, its annual fee, and how easy (or hard) it is to achieve the advertised benefits.}:
Ease of use ^{A rating (out of 5 stars) of how easy it is to achieve the maximum earn rate and other benefits advertised by this card.}:
Minimum annual income:• S’porean/PR: S$15,000 – S$30,000 ^{S$30,000/year if aged 55 and below; S$15,000/year if aged 56 and above.}
• Foreigner: S$40,000Annual fee: S$196.20 (first year waived; always comes with 10,000 miles, but request waiver every year ^{Paying S$196.20 for 10,000 miles is not worth it, unless if you need the miles urgently.})

 Earn 2.4 mpd on dining, online shopping, food delivery, public transport and selected travel websites (e.g. Airbnb, Expedia)
 Earn 3 mpd on Singapore Airlines, Scoot, KrisShop, Kris+ and Pelago
 No minimum spending for SIA group bonus earn rate
 Uncapped earn rates
 Free, automatic miles transfers to KrisFlyer
 Priority check-in, boarding, free seat selection with Scoot ^{Booking must be made via flyscoot.com/KrisFlyerUOB.}

⚠️ Minimum spend of S$1,000 on SIA group per card membership year required for bonus earn rate (1.2 + 1.2 mpd) on dining, online shopping, food delivery, public transport and selected travel websites
⚠️ Spending categories for bonus earn rate (2.4 mpd) are MCC-sensitive
⚠️ Bonus earn rate (+1.2 mpd) credited within 2 months after card membership year <sup>Due to the late crediting, bonus miles earned at the start of your card membership year may take up to 14 months to get credited. It will also be challenging to track your bonus spending (to calculated expected bonus miles) for an entire year.

This may also force you into paying the annual fee for the following year if a waiver request is not granted.</sup>
⚠️ 1.2 mpd earn rate on non-bonus spending
⚠️ 3-year fixed miles expiry term in KrisFlyer
⚠️ Only 1 miles transfer partner (KrisFlyer)
⚠️ 3.25% foreign transaction fee

📄 Quick review

More information on the

KrisFlyer UOB Card

Suitesmile rating:

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✍️ Short summary
This card gives you an uncapped 3 mpd earn rate on Singapore Airlines, Scoot, KrisShop, Kris+ and Pelago.

Cardholders can also receive an uncapped 2.4 mpd earn rate (1.2 base + 1.2 bonus) on everyday spending categories like dining, online shopping, online food delivery, ride-hailing and public transport, as well as travel spending made on selected websites like airbnb.com, booking.com and expedia.com. To receive the 1.2 mpd bonus, cardholders have to spend at least S$1,000 on Singapore Airlines, Scoot, Pelago or KrisShop collectively in a card membership year.

All other transactions earn 1.2 mpd, including foreign currency spending which comes with 3.25% in fees (very poor!).

On top of that, cardholders can also get priority check-in and boarding, free standard seat selection and one-time booking flexibility waiver on Scoot bookings made through flyscoot.com/KrisFlyerUOB.

While this card makes all the right headlines, cardholders should know that bonus miles (1.2 mpd) are only credited within 2 months, after the end of the card membership year. This can be a dealbreaker for many who do not want to wait up to 14 months to receive the bonus miles! The delayed miles crediting can also force you into paying the annual fee (instead of cancelling the card), if a waiver is not granted.

Another obvious point to note is that the miles earned on this card can only be transferred to KrisFlyer, albeit with no transfer fee.

Flexibility is very important in the Miles Game and unfortunately, this card offers very little of that. I recommend maximizing the limits of other 4 mpd cards first, before using this one.

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💸 Annual fee
S$196.20
(First year waived, get 10,000 miles with subsequent annual fee payments but not worth it; always request waiver)

💼 Income requirement
S$30,000/year (S’porean/PR aged 55 and below),
S$15,000/year (S’porean/PR aged 56 and above),
S$40,000/year (Foreigner)

🤑 Foreign currency fee
3.25%

⏰ Miles expiry
3 years from the time they are credited into KrisFlyer account.

🫱‍🫲 Transfer partner
KrisFlyer only

🧮 Transfer block
N/A

💲 Transfer fee
No transfer fee

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

❓ How/When miles are credited
Earn 6 base miles per S$5 dollar spent, plus 6 bonus miles for eligible transactions (equivalent to 2.4 mpd in total). Base miles are credited into your KrisFlyer account at the end of each calendar month; bonus miles up to 2 months after the end of card membership year (up to 14 months).

📜 Terms & conditions

🎁 Sign-up promo

Card rating ^{Suitesmile's overall rating of this card (out of 5), all things considered. This includes how it compares against alternative miles/cashback cards, its annual fee, and how easy (or hard) it is to achieve the advertised benefits.}:
Ease of use ^{A rating (out of 5 stars) of how easy it is to achieve the maximum earn rate and other benefits advertised by this card.}:
Minimum annual income:• S’porean/PR: S$30,000
• Malaysian: S$45,000
• Foreigner: S$60,000Annual fee: S$87.20 (first 2 years waived; request waiver every year)

 Get 5% cashback on five bonus categories, up to S$1,600 per calendar month:1) Dine (e.g. restaurants, bakeries, food delivery)
2) Shop (e.g. apparels, departmental stores)
3) Travel (e.g. airlines, hotels, travel agencies)
4) Play (e.g. bars, cinemas)
5) Foreign Spend (e.g. almost anything in foreign currencies)

⚠️ Only available to those aged 21 – 39 years
⚠️ Minimum card spend of S$500 per calendar month required for bonus earn rate
⚠️ 0.2% cashback on non-bonus spending
⚠️ 3.25% foreign transaction fee

📄 Quick review

Mini review of the

Maybank XL Cashback Card

Suitesmile rating:

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This card gives you a strong 5% cashback on selected spending categories like flights, hotels, dining, shopping (in-person & online), food deliveries, entertainment and foreign currencies (overseas & online), when spending at least S$500 and up to S$1,600 per calendar month.

But oldies beware, this card is only available to those aged 21 to 39 years old.

Qualifying transactions:
Only whitelisted Merchant Category Codes (MCCs) for each spending category qualify for the bonus earn rate. Unsure about the MCC? Check before making the payment.

However, if you’re spending in a foreign currency, it doesn’t matter what the MCC is, provided it doesn’t fall under the general exclusions stated in the t&c. What’s great is that typically-excluded spending categories like Medical and Education qualify for 5% cashback, when paying in a foreign currency.

All other transactions earn just 0.2% cashback (uncapped).

Cardholders can reduce the foreign currency fee by about 1% by pairing this card to Amaze. IMPORTANT: Only do this for the non-foreign currency bonus categories (flights, hotels, dining etc.) made in foreign currency (not SGD).

If you’re into the Miles, check out the highly-rated Maybank XL Rewards Card.

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💸 Annual fee
S$87.20
(First 2 years waived)

👶 Age requirement
21 to 39 years old

💼 Income requirement
S$30,000/year (S’porean/PR),
S$45,000/year (Malaysian),
S$60,000/year (Foreigner)

🤑 Foreign currency fee
3.25%

❓When cashback is credited
Cashback amount will be credited to the card at the end of the next calendar month.

📜 Terms & conditions

🎁 Sign-up promo

Card rating ^{Suitesmile's overall rating of this card (out of 5), all things considered. This includes how it compares against alternative miles/cashback cards, its annual fee, and how easy (or hard) it is to achieve the advertised benefits.}:
Ease of use ^{A rating (out of 5 stars) of how easy it is to achieve the maximum earn rate and other benefits advertised by this card.}:
Minimum annual income:• S’porean/PR: S$30,000
• Malaysian: S$45,000
• Foreigner: S$60,000Annual fee: S$196.20 (first 3 years waived; request waiver every year)

 Tier 1: Get 6% cashback on five chosen bonus categories, up to S$333 per category, per calendar month ^{Choose 5 bonus categories from:
1) Automotive (default)
2) Dining & Food Delivery (default)
3) Kids & Pets (default)
4) Online Shopping (default)
5) Telco & Streaming (default)
6) Beauty & Wellness
7) Commute
8) Entertainment
9) Groceries
10) Sports & Sports Apparels}
 Tier 2: Get 6 – 8% cashback on five chosen bonus categories, up to S$375 – S$500 per category, per calendar month ^{Choose 5 bonus categories from:
1) Automotive (default)
2) Dining & Food Delivery (default)
3) Kids & Pets (default)
4) Online Shopping (default)
5) Telco & Streaming (default)
6) Beauty & Wellness
7) Commute
8) Entertainment
9) Groceries (max. 6% cashback)
10) Sports & Sports Apparels}
 Additional bonus category: Get 6% or 8% cashback on transactions in Malaysian Ringgit or Indonesian Rupiah

⚠️ Minimum card spend of S$800 and S$1,600 per calendar month required for Tier 1 and 2 bonuses, respectively
⚠️ Groceries category get a maximum of 6% cashback, even with Tier 2 qualification
⚠️ Bonus categories are MCC-sensitive
⚠️ 0.22% cashback on non-bonus spending
⚠️ 3.25% foreign transaction fee

📄 Quick review

More information on the

Maybank Family & Friends Card

Suitesmile rating:

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✍️ Short summary
Cardholders can earn 6% or 8% cashback on their 5 chosen categories via two cashback tiers.

Tier 1 (6% cashback): Spend at least S$800 per calendar month. Cashback is capped at S$20 per category (S$333 worth of spending).

Tier 2 (up to 8% cashback): Spend at least S$1,600 per calendar month. Cashback is capped at S$30 per category (S$375 worth of spending). However, take note that the Groceries category will still only earn 6% cashback on up to S$500 worth of spending.

Cardholders can choose 5 bonus categories (via Maybank’s TREATS SG app) from a list of 10:

1. Automotive (default)
2. Dining & Food Delivery (default)
3. Kids & Pets (default)
4. Online Shopping (default)
5. Telco & Streaming (default)
6. Beauty & Wellness
7. Commute
8. Entertainment
9. Groceries
10. Sports & Sports Apparels

Additional Bonus Category
Cardholders can also earn 6% or 8% cashback on eligible purchases made in Malaysian Ringgit or Indonesian Rupiah, but not if they fall under the cardholder’s chosen spending categories. If a transaction overlaps with the chosen categories and exceeds the cashback cap, only the amount spent beyond that limit will qualify for this additional category. Cashback earned in this category is also capped at S$20 and S$30 per calendar month for Tier 1 and Tier 2 respectively.

Get just 0.22% cashback if you fail to meet the minimum spending requirement and for other spending categories.

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💸 Annual fee
S$196.20
(First 3 years waived)

💼 Income requirement
S$30,000/year (S’porean/PR),
S$45,000/year (Malaysian),
S$60,000/year (Foreigner)

🤑 Foreign currency fee
3.25%

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

📜 Terms & conditions

🎁 Sign-up promo

Card rating ^{Suitesmile's overall rating of this card (out of 5), all things considered. This includes how it compares against alternative miles/cashback cards, its annual fee, and how easy (or hard) it is to achieve the advertised benefits.}:
Ease of use ^{A rating (out of 5 stars) of how easy it is to achieve the maximum earn rate and other benefits advertised by this card.}:
Minimum annual income:• S’porean/PR: S$30,000
• Foreigner: S$42,000Annual fee: S$196.20 (first year waived; request waiver every year)

 Get 8% cashback on ride-hailing & petrol, 6% cashback on dining & groceries spending, up to S$1,000 – S$1,333 per statement month ^{Cashback capped at S$80 per statement month. Maximum spend to earn cashback: S$1,000 (if spending only on 8% categories), S$1,333 (if spending only on 6% categories), or somewhere in between if spending across both.}

⚠️ Minimum card spend of S$800 per statement month required for bonus cashback
⚠️ Bonus categories are MCC-sensitive
⚠️ 0.2% cashback on non-bonus spending
⚠️ 3.25% foreign transaction fee

📄 Quick review

More information on the

Citi Cash Back Card

Suitesmile rating:

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✍️ Short summary
This card gives you a strong 8% cashback on Ride-Hailing and Petrol spending and 6% cashback on Groceries and Dining upon meeting the minimum spend of S$800 per statement month. Cashback is capped at S$80 per month.

Using this card for fuel purchases at Esso and Shell will get you 20.88% in savings, while using it at Sinopec can get you up to 31% in savings (depending on station discount).

Eligible purchases in foreign currency counts too! Remember to link the card to Amaze to lower foreign currency charges.

Pro tip: Can’t meet the S$800 monthly spending requirement? You can purchase supermarket vouchers in store to make up the difference. These voucher purchases will be eligible for 6% cashback and can be used for grocery shopping in future.

Get just 0.2% cashback for other spending categories.

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💸 Annual fee
S$196.20
(First year waived)

💼 Income requirement
S’porean/PR: S$30,000/year,
Foreigner: S$42,000/year

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

❓How/When cashback is credited
Cashback amount is credited into the card at the end of the statement month. Cardholders are required to redeem it via SMS.

📜 Terms & conditions

🎁 Sign-up promo

Card rating ^{Suitesmile's overall rating of this card (out of 5), all things considered. This includes how it compares against alternative miles/cashback cards, its annual fee, and how easy (or hard) it is to achieve the advertised benefits.}:
Ease of use ^{A rating (out of 5 stars) of how easy it is to achieve the maximum earn rate and other benefits advertised by this card.}:
Minimum annual income:• S’porean/PR: S$30,000 – S$65,000 ^{Income requirement depends on your Total Relationship Balance (TRB) with HSBC. S$30,000/year if TRB is S$50,000 and above; S$65,000/year if TRB is below S$50,000.}
• Foreigner: S$65,000Annual fee: S$196.20 (first year waived; request waiver every year)

 Get 5% cashback on dining, shopping and entertainment spending, up to S$5,000 per calendar quarter ^{Cashback capped at S$250 per quarter (equivalent to S$83.33 per month).}

⚠️ Minimum card spend of S$600 per calendar month, for 3 consecutive months in a calendar quarter required for bonus cashback
⚠️ 0.3% cashback on non-bonus spending
⚠️ Bonus categories are MCC-sensitive
⚠️ 3.25% foreign transaction fee

📄 Quick review

More information on the

HSBC Live+ Card

Suitesmile rating:

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✍️ Short summary
This card gives you 5% cashback on Dining, Shopping and Entertainment when spending at least S$600 per calendar month, for 3 consecutive months in a calendar quarter.

This cashback amount is capped at S$250 per quarter — equivalent to S$5,000 in spending per quarter, or an average of S$1,667 per month.

New HSBC Live+ cardholders can enjoy +3% cashback (total 8%) on the above bonus categories in the first 2 calendar quarters from card approval date.

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.

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💸 Annual fee
S$196.20
(First year waived)

💼 Income requirement
S’porean/PR: S$30,000 – S$65,000
Foreigner: S$65,000

🤑 Foreign currency fee
3.25%

❓How/When cashback is credited
Bonus cashback amount is credited into the card within 2 months, after the end of each calendar quarter.

📜 Terms & conditions

🎁 Sign-up promo

Card rating ^{Suitesmile's overall rating of this card (out of 5), all things considered. This includes how it compares against alternative miles/cashback cards, its annual fee, and how easy (or hard) it is to achieve the advertised benefits.}:
Ease of use ^{A rating (out of 5 stars) of how easy it is to achieve the maximum earn rate and other benefits advertised by this card.}:
Minimum annual income:• S’porean/PR: S$15,000 – S$30,000 ^{S$30,000/year if aged 55 and below; S$15,000/year if aged 56 and above.}
• Foreigner: S$45,000Annual fee: S$196.20 (first 2 years waived; request waiver every year)

 Get 6% cashback on petrol
 Get 5% cashback on dining
 Get 3% cashback on groceries, public transport, ride-hailing, utilities and EV charging
 Get uncapped 1% cashback on selected advertising platforms

⚠️ Minimum spending for bonus cashback (per calendar month):Tier 1: S$800
Tier 2: S$1,600⚠️ Bonus cashback caps (per calendar month):Tier 1: S$80 per calendar month
Tier 2: S$160 per calendar month⚠️ Bonus categories are MCC-sensitive
⚠️ 0.25% cashback on non-bonus spending
⚠️ 3.25% foreign transaction fee

📄 Quick review

More information on the

OCBC 365 Card

Suitesmile rating:

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✍️ Short summary

This card gives you 3 to 6% cashback on selected bonus categories upon meeting the monthly minimum spending requirement.

Here are the bonus categories and cashback amounts:

1. Petrol: 6%
2. Dining & Food Delivery: 5%
3. Groceries: 3%
4. Public Transport & Ride-Hailing: 3%
5. Recurring Utility & Telco Bills: 3%
6. Watsons: 3%
7. Streaming: 3%

Bonus cashback comes with the following minimum spending and caps (per calendar month):

• Tier 1: Min. spend S$800, bonus cashback capped at S$80
• Tier 2: Min. spend S$1,600, bonus cashback capped at S$160

Cardholders can also receive uncapped 1% cashback with no minimum spending requirement when spending at the following advertising platforms:

• 99.co
• EdgeProp
• PropertyGuru
• StreetSine
• Facebook & Meta (with MCC 7311)

This is a decent card for dining and transport spending (5% cashback) but the cashback earn rates on other categories are really weak for a card with an S$800/month minimum spending requirement. Consider using better Cashback credit cards.

Get just 0.25% cashback on other spending categories.

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💸 Annual fee
S$196.20
(First 2 years waived)

💼 Income requirement
S$30,000/year (S’porean/PR aged 55 and below),
S$15,000/year (S’porean/PR aged 56 and above),
S$45,000/year (Foreigner)

🤑 Foreign currency fee
3.25%

❓How/When cashback is credited
Bonus cashback is credited by the end of the following calendar month.

📜 Terms & conditions

🎁 Sign-up promo

Card rating ^{Suitesmile's overall rating of this card (out of 5), all things considered. This includes how it compares against alternative miles/cashback cards, its annual fee, and how easy (or hard) it is to achieve the advertised benefits.}:
Ease of use ^{A rating (out of 5 stars) of how easy it is to achieve the maximum earn rate and other benefits advertised by this card.}:
Minimum annual income:• S’porean/PR: S$15,000 – S$30,000 ^{S$30,000/year if aged 55 and below; S$15,000/year if aged 56 and above.}
• Foreigner: S$45,000Annual fee: S$196.20 (first year waived; request waiver every year)

 Earn 5–10% bonus cash rebates on categories like:1) SPC (no cap) ^{Total 20.1% fuel savings: 5% DBS/POSB card discount + 10% SPC&U Card discount + 6% cash rebate on the final charge amount.}
2) In-store MYR (10%, up to S$206/month) ^{10% cash rebate, cash rebate capped at S$20/month. Note: Dining in Malaysia earns 10% total but draws from both the MYR cap and the dining cap simultaneously, effectively halving the max qualifying spend for MYR dining to ~S$200/month.}
3) Food delivery/Dining (10%/5%, up to S$206–S$400/month) ^{Food delivery (Foodpanda, GrabFood, Deliveroo) and dining share a single S$20/month cash rebate cap. Food delivery earns 10% (up to S$206 spend), dining earns 5% (up to S$400 spend), or somewhere in between if spending across both.}
4) SimplyGo (10%, up to S$206/month) ^{10% cash rebate, cash rebate capped at S$20/month. Excludes top-up transactions.}
5) Online shopping (5%, up to S$400/month) ^{5% cash rebate on Amazon.sg, Lazada, Shopee, RedMart, Taobao and TikTok Shop. Cash rebate capped at S$20/month.}
6) Sheng Siong (5%, up to S$400/month) ^{5% cash rebate, cash rebate capped at S$20/month. Cash rebates credited upfront for physical card payments.}

⚠️ Minimum card spend of S$800 per calendar month required for bonus cash rebates on in-store MYR, food delivery & dining, SimplyGo and online shopping
⚠️ 0.3% cash rebate on non-bonus spending
⚠️ Dining bonus category is MCC-sensitive
⚠️ Online shopping bonus category applies to specific merchants only
⚠️ 3.25% foreign transaction fee

📄 Quick review

More information on the

POSB Everyday Card

Suitesmile rating:

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✍️ Short summary
This card gives you 20.1% fuel savings at SPC (5% DBS/POSB card discount + 10% SPC&U Card discount + 6% cash rebate on the final charge amount), with no minimum spend required.

Other than the straightforward SPC fuel-spending benefit, this is a very difficult card to track and use, to achieve the maximum cashback, due to multiple category caps and minimum spending requirement.

Cardholders with a minimum card spend of S$800 per calendar month can get up to 10% cash rebates on selected categories:

1. Food Delivery & Dining: 10%/5% cash rebate, up to S$206–S$400/month (shared cap)
2. Malaysia In-Store Spending: 10% cash rebate, up to S$206/month
3. Online Shopping (Amazon.sg, Lazada, Shopee, RedMart, Taobao, TikTok Shop): 5% cash rebate, up to S$400/month
4. SimplyGo: 10% cash rebate, up to S$206/month
5. Sheng Siong: 5% cash rebate, up to S$400/month (no minimum spend)
6. Popular: 5% cash rebate, up to S$400/month
7. Pet Lovers Centre: 3% cash rebate, no cap (no minimum spend)

All other spending earn just 0.3% cash rebates.

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💸 Annual fee
S$196.20
(First year waived, always request for a waiver after that)

💼 Income requirement
S$30,000/year (S’porean/PR aged 55 and below),
S$15,000/year (S’porean/PR aged 56 and above),
S$45,000/year (Foreigner)

🤑 Foreign currency fee
3.25%

📜 Terms & conditions

🎁 Sign-up promo

Card rating ^{Suitesmile's overall rating of this card (out of 5), all things considered. This includes how it compares against alternative miles/cashback cards, its annual fee, and how easy (or hard) it is to achieve the advertised benefits.}:
Ease of use ^{A rating (out of 5 stars) of how easy it is to achieve the maximum earn rate and other benefits advertised by this card.}:
Minimum annual income: S$15,000 – S$30,000 ^{S$30,000/year if aged 55 and below; S$15,000/year if aged 56 and above.}
Annual fee: No annual fee, ever

 Get 1.5% cashback on foreign transactions, up to S$1,500 per calendar month (till 31 Dec 2026)
 No minimum spending
 No foreign transaction fees

⚠️ Low earn rates on local and Shopee spending (spend with better cashback cards instead)
• 1.5% cashback on local spending
• 1.5% coins on Shopee spending

📄 Quick review

More information on the

Mari Credit Card

Suitesmile rating:

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✍️ Short summary
Mari Credit Card gives you 1.5% cashback, great foreign exchange rates with no foreign transaction fees and it does not come with an annual fee.

Cardholders can receive 1.5% cashback on any currency spending; uncapped for SGD transactions, up to S$1,500 per calendar month (till 31 Dec 2026) for foreign currency transactions. No minimum spending is required.

The existence of this card also means that the opportunity cost of using Miles credit cards for foreign currency spending is now about 4.75%, as those cards come with around 3.25% in FX fees and no cashback.

Cardholders can also earn 1.5% Shopee coins when transacting with Mari Credit Card Instant Checkout on Shopee, but there are better miles and cashback cards for Shopee spending!

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💸 Annual fee
No annual fee, ever

💼 Income requirement
S$30,000/year (aged 55 and below),
S$15,000/year (aged 56 and above)

🤑 Foreign transaction fee
No foreign transaction fee

❓How/When cashback is credited
Cashback amount is credited into the card immediately when the transactions post.

📜 Terms & conditions

🎁 Sign-up bonusGet S$30 cashback after spending at least S$300 within 30 days from card approval date.

Plus, get a S$50 Shopee voucher pack when you use Mari Credit Card Instant Checkout on Shopee.

Use code 6JAC91WK when signing up.

Card rating ^{Suitesmile's overall rating of this card (out of 5), all things considered. This includes how it compares against alternative miles/cashback cards, its annual fee, and how easy (or hard) it is to achieve the advertised benefits.}:
Ease of use ^{A rating (out of 5 stars) of how easy it is to achieve the maximum earn rate and other benefits advertised by this card.}:
Minimum annual income:• S’porean/PR: S$15,000 – S$30,000 ^{S$30,000/year if aged 55 and below; S$15,000/year if aged 56 and above.}
• Foreigner: S$60,000Annual fee: No annual fee, ever

 Choose 1 of 3 card rewards:• Up to 15% cashback on chosen category (~5% in reality), 1% locally
• 1.5% cashback locally, 0.5% on foreign currencies
• 3% stockback on chosen stock/ETF (till 31 Dec 2026) No minimum spending (for 0.5-1.5% cashback and stockback)
 Uncapped earn rates (for 0.5-1.5% cashback and stockback)
 No foreign transaction fees

⚠️ “15% cashback” headline on chosen category is impossible to achieve
⚠️ Low earn rate of 1-1.5% cashback on local spending (spend with better cashback cards)
⚠️ Stockback option drops to 2% locally and 0.5% foreign from 1 Jan 2027