Best Credit Cards for Food Delivery (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$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 points expiry cycle ^{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.}
 8 useful points 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$80,000 (not strict)
Annual fee: S$196.20 (first year waived; request waiver every year)

 Earn 4 mpd on online spending, up to S$1,000 per calendar month
 No minimum spending

0.4 mpd earn rate on non-bonus spending
1-year points expiry term
Only 2 useful points 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$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 points expiry term
Only 2 useful points 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
• 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. apparel, department 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 points expiry term (no expiry with Maybank’s Rewards Infinite Programme)
Only 3 useful points 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-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 points expiry term
 6 useful points transfer partners
 Free points transfers to frequent flyer programs
 Instant points transfers

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$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 points expiry term
Only 2 useful points 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$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 points expiry term
Only 2 useful points 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%

⏰ 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
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$30,000
• Foreigner: S$90,000Annual 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.})

 Get 2 free airport lounge visits per card membership year ^{Get 2 free airport lounge visits worldwide via Priority Pass. Entitlement can be used for lounges, restaurants and spas, for the principal cardholder and guest. Supplementary cardholders do not have any airport lounge entitlement.}
 Earn 3 mpd on groceries, food deliveries and ride-hailing, up to S$1,000 per statement month
 No minimum spending
 Points don’t expire

Low earn rates on non-bonus spending (spend with 4 mpd cards instead):
• 1.2 mpd on local spending
• 2 mpd on foreign currency spending Only 2 useful points transfer partners
3.5% foreign transaction fee

📄 Quick review

More information on the

Standard Chartered Journey Card

Suitesmile rating:

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✍️ Short summary
Cardholders can earn 3 miles per dollar on groceries, food deliveries and ride-hailing, up to S$1,000 per statement month.

For other spending categories, this card gives you an uncapped earn rate of 1.2 miles per dollar on SGD spending and 2 miles per dollar on foreign currency spending.

Cardholders are also entitled to 2 free airport lounge visits (via Priority Pass) per card membership year.

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💸 Annual fee
S$196.20
(First year waived, get 10,000 miles with subsequent annual fee payments)

💼 Income requirement
S’porean/PR: S$30,000/year,
Foreigner: S$90,000/year

🤑 Foreign currency fee
3.5%

🛋️ Airport lounge access
2 free lounge visits per card membership year
(via Priority Pass)

⏰ Points expiry
Points earned on this card never expire

🫱‍🫲 Transfer partners
KrisFlyer and Asia Miles

💯 Transfer ratio
2.5 points = 1 mile

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

💲 Transfer fee
S$27.25 per transfer

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

❓ When points are credited
Base 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, ride-hailing and selected travel websites
 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, ride-hailing 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 calculate 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 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 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$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)

 Get 18% cash rebate or 10 mpd at participating yuu merchants ^{Participating yuu merchants include useful ones like:
• Giant
• Cold Storage
• Gojek
• Foodpanda
• Guardian
• SimplyGo (Singapore public buses, MRT, LRT)
• 7-Eleven}, up to S$822.86 per calendar month

Minimum card spend of S$800 per calendar month required for bonus cashback
Transact at a minimum of 4 participating yuu merchants per calendar month for bonus cashback
Converting yuu points for KrisFlyer miles (10 mpd) comes with a huge opportunity cost (18% cash rebate)
0.5% cash rebate or 0.28 mpd on non-bonus spending
Only 1 useful points transfer partner (KrisFlyer)
3.25% foreign transaction fee

📄 Quick review

More information on the

DBS yuu Card

Suitesmile rating:

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✍️ Short summary
This card gives you a strong earn rate of 36 yuu points per dollar when spending between S$800 and S$822.86 at participating yuu merchants in a calendar month. To receive the bonus yuu points, cardholders are also required to spend at a minimum of 4 participating yuu merchants every calendar month.

What are yuu points worth?
36 yuu points can be redeemed for an effective earn rate of 18% cash rebate or 10 miles per dollar.

What if you spend more than S$822.86 at participating yuu merchants?
Once you’ve accumulated more than the 28,800 monthly cap on bonus yuu points, you’ll continue to earn just 1 yuu point per dollar (0.5% cash rebate).

Should you redeem yuu points for KrisFlyer miles?
By ignoring the opportunity to receive 18% rebate, you’d be “paying” about 1.8 cents per KrisFlyer mile in opportunity cost; and that’s pricey.

Tip: Redeem yuu points for excluded Giant or Cold Storage items like magazines, infant milk formula, sushi or tobacco products to lower/eliminate your opportunity cost.

If you’re looking to top-up small amounts of KrisFlyer miles for an award redemption, this is a great way to do so, as conversions are free and instantaneous.

Here are the participating yuu merchants:

• Giant
• Cold Storage
• Gojek
• 7-Eleven
• Foodpanda
• Singtel
• Guardian
• SimplyGo (Singapore public buses, MRT, LRT)
• Charge+ EV charging (Visa only)
• CHAGEE (via CHAGEE app only)

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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%

🫱‍🫲 Transfer partners
KrisFlyer only

💯 Conversion ratio
1 yuu point = 0.5% cash rebate
3.6 yuu points = 1 KrisFlyer mile

🧮 Transfer block
200 points (56 miles)

💲Transfer fee
Free

❓How/When points are credited
Base reward: 1 yuu point (uncapped)
Bonus reward (no min. spend): 9 yuu points (capped at 28,800 points)
Bonus reward (S$800 min. spend): 26 yuu points (capped at 28,800 points)
Total reward: 36 yuu points

Base points are credited instantly while bonus points are credited within 60 days from the transaction date.

📜 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)

 Get 18% cash rebate or 10 mpd at participating yuu merchants ^{Participating yuu merchants include useful ones like:
• Giant
• Cold Storage
• Gojek
• Foodpanda
• Guardian
• SimplyGo (Singapore public buses, MRT, LRT)
• 7-Eleven}, up to S$822.86 per calendar month

Minimum card spend of S$800 per calendar month required for bonus cashback
Transact at a minimum of 4 participating yuu merchants per calendar month for bonus cashback
Converting yuu points for KrisFlyer miles (10 mpd) comes with a huge opportunity cost (18% cash rebate)
0.5% cash rebate or 0.28 mpd on non-bonus spending
Only 1 useful points transfer partner (KrisFlyer)
3.25% foreign transaction fee

📄 Quick review

More information on the

DBS yuu Card

Suitesmile rating:

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✍️ Short summary
This card gives you a strong earn rate of 36 yuu points per dollar when spending between S$800 and S$822.86 at participating yuu merchants in a calendar month. To receive the bonus yuu points, cardholders are also required to spend at a minimum of 4 participating yuu merchants every calendar month.

What are yuu points worth?
36 yuu points can be redeemed for an effective earn rate of 18% cash rebate or 10 miles per dollar.

What if you spend more than S$822.86 at participating yuu merchants?
Once you’ve accumulated more than the 28,800 monthly cap on bonus yuu points, you’ll continue to earn just 1 yuu point per dollar (0.5% cash rebate).

Should you redeem yuu points for KrisFlyer miles?
By ignoring the opportunity to receive 18% rebate, you’d be “paying” about 1.8 cents per KrisFlyer mile in opportunity cost; and that’s pricey.

Tip: Redeem yuu points for excluded Giant or Cold Storage items like magazines, infant milk formula, sushi or tobacco products to lower/eliminate your opportunity cost.

If you’re looking to top-up small amounts of KrisFlyer miles for an award redemption, this is a great way to do so, as conversions are free and instantaneous.

Here are the participating yuu merchants:

• Giant
• Cold Storage
• Gojek
• 7-Eleven
• Foodpanda
• Singtel
• Guardian
• SimplyGo (Singapore public buses, MRT, LRT)
• Charge+ EV charging (Visa only)
• CHAGEE (via CHAGEE app only)

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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%

🫱‍🫲 Transfer partners
KrisFlyer only

💯 Conversion ratio
1 yuu point = 0.5% cash rebate
3.6 yuu points = 1 KrisFlyer mile

🧮 Transfer block
200 points (56 miles)

💲Transfer fee
Free

❓How/When points are credited
Base reward: 1 yuu point (uncapped)
Bonus reward (no min. spend): 9 yuu points (capped at 28,800 points)
Bonus reward (S$800 min. spend): 26 yuu points (capped at 28,800 points)
Total reward: 36 yuu points

Base points are credited instantly while bonus points are credited within 60 days from the transaction date.

📜 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; request waiver every year)

 Get up to 3.33% cashback on almost everything, up to S$600, S$1,000 or S$2,000 per statement month ^{Cashback capped at S$60, S$100 or S$200 per quarter (equivalent to S$20, S$33.33 or S$66.67 per month).}
 Get additional 1-6.67% cashback at selected merchants (total up to 4.33-10% cashback) ^{Selected merchants include: Grab, Shopee, Giant, Cold Storage, SimplyGo and SP Group. Additional cashback capped at S$120 per statement month.}

Minimum card spend of S$600, S$1,000 or S$2,000 per statement month, for 3 consecutive months in a qualifying quarter required for bonus cashback
Minimum 10 transactions per statement month required for bonus cashback
0.03% cashback on non-bonus spending
Bonus categories for additional cashback (1-6.67%) are MCC-sensitive
3.25% foreign transaction fee

📄 Quick review

More information on the

UOB One Card

Suitesmile rating:

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✍️ Short summary
This card can be highly rewarding, but it requires a lot of tracking work on your part and can be very time-consuming.

Earn up to 3.33% cashback on almost everything, including online shopping, in-person shopping, dining, groceries, ride-hailing, food delivery, utilities and even phone/internet bills.

Why “up to” 3.33%? Upon meeting certain conditions, cardholders get a fixed cashback amount of S$60, S$100 or S$200 at the end of each quarter.

How to receive up to 3.33% cashback:

• MANDATORY: Make at least 10 transactions per statement month
• Get S$60 cashback when you spend at least S$600 per month, for 3 consecutive statement months in a qualifying quarter
• Get S$100 cashback when you spend at least S$1,000 per month, for 3 consecutive statement months in a qualifying quarter
• Get S$200 cashback when you spend at least S$2,000 per month, for 3 consecutive statement months in a qualifying quarter

In other words, you will only receive exactly 3.33% cashback when you spend exactly S$600, S$1,000 or S$2,000 for 3 consecutive months in a qualifying quarter. For example, a cardholder who spends S$1,800/month in that same period, would fall under the S$1,000 band and be rewarded with just S$100 cashback (equivalent to 1.85%).

Cardholders who meet the conditions for up to 3.33% cashback described above can earn up to 6.67% additional cashback (total up to 10% cashback) at selected merchants like Grab, Shopee, Giant, Cold Storage and SimplyGo. This additional cashback is capped at S$120 per statement month.

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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%

❓ When cashback is credited
Receive your cashback in the card by the following statement date after the completion of your qualifying 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$30,000
• Foreigner: S$120,000 ^{Requires a valid Employment Pass, S Pass, or ONE Pass with at least 6 months remaining validity.}Annual fee: S$196.20 (first year waived if approved by 31 Dec 2026)

Get 3-10% back on local Grab spending <sup>Earn 3% on your first S$500 local Grab spend with no minimum spend.

Earn 5% on your next S$500 to S$1,000 and 10% on amounts above S$1,000 local Grab spend per statement month.

The 5% and 10% tiers also require min. S$500 local, non-Grab spend per statement month.</sup>
Get 10% back on overseas Grab spending
Get 1.75% cashback locally
Get 1.75% cashback on Singtel bills
No minimum spending (to receive 3% on local Grab, 10% on overseas Grab and 1.75% on Singtel bills only)
Uncapped earn rates
No foreign transaction fees

 Minimum spending:• For 1.75% local cashback: Min. S$500 per statement month ^{Minimum local, non-Grab, non-Singtel spending of S$500 per statement month}
• For 5% local Grab cashback: Min. S$500+S$500 per statement month ^{Minimum local, non-Grab, non-Singtel spending of S$500 per statement month, plus S$500 local Grab spend.}
• For 10% local Grab cashback: Min. S$500+S$1,000 per statement month ^{Minimum local, non-Grab, non-Singtel spending of S$500 per statement month, plus S$1,000 local Grab spend.} No cashback on foreign spend (except Grab)
Rewards on Grab spending awarded in GrabCoins ^{GrabCoins are Grab loyalty points, not cash. You can only use them in the Grab app, where 500 GrabCoins offset about S$1 of your Grab spending.}

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More information on the

GXS Credit Card

Suitesmile rating:

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✍️ Short summary
GXS Credit Card gives you uncapped 1.75% cashback on almost everything locally, 3-10% back (in GrabCoins) on local Grab spending, 10% back on overseas Grab spending and no foreign transaction fees on overseas or foreign currency spending.

A minimum spending of S$500 per statement month on local, non-Grab, non-Singtel transactions is required to earn the 1.75% base cashback locally. Singtel bills earn 1.75% cashback with no minimum spending and no cap.

Rewards on local Grab spending are tiered, may require minimum spending and are credited instantly as GrabCoins.

Here’s how it works:

Grab spend	Earn rate	Min. spend
First S$500	3%	None
Next S$500	5%	S$500 non-Grab
Above S$1,000	10%

For example, with S$1,500 worth of local Grab spending in a statement month, you’d earn the following (assuming you also accumulated S$500 non-Grab spending):

• First S$500: ~S$15 GrabCoins (3%)
• S$500-S$1,000: ~S$25 GrabCoins (5%)
• S$1,000-S$1,500: ~S$50 GrabCoins (10%)

That’s ~S$90 worth of GrabCoins on S$1,500 local Grab spending, for an effective earn rate of just 6%. As the top-end 10% earn rate is uncapped, your effective earn rate improves the more you spend on Grab locally.

Overseas Grab transactions, on the other hand, earn a clean, uncapped 10% with no minimum spending. As there is no FX fee on this card, this is a superb card benefit.

Note: GrabCoins are Grab loyalty points, not cash. You can only use them in the Grab app, where 500 GrabCoins offset about S$1 of your Grab spending.

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💸 Annual fee
S$196.20
(First year waived if approved by 31 Dec 2026)

💼 Income requirement
S$30,000/year (S’porean/PR),
S$120,000/year (Foreigner)

🤑 Foreign transaction fee
No foreign transaction fee

❓How/When cashback is credited
GrabCoins on Grab spending are credited instantly. Base and Singtel cashback are credited at the start of your next statement month.

📜 Terms & conditions

🎁 Sign-up bonusS$8 Grab ride voucher and first-year annual fee waiver if approved by 31 Dec 2026.

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. apparel, department 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 cashback
0.2% cashback on non-bonus spending
3.25% foreign transaction fee

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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
• 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

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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
• 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

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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-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

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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 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

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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’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

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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