Best Credit Cards for Hospital Bills (Miles vs Cashback)

Suitesmile rating:

✍️ Short summary
Earn uncapped 3.2 miles per dollar on foreign currency spending, when you spend at least S$4,000 per calendar month on the card.

On top of that, receive base miles (1.2 mpd for local, 2 mpd for foreign currency transactions) on commonly-excluded transactions such as insurance, education and medical.

Get 4 complimentary airport lounge visits per card membership year, but note that this lounge entitlement can only be used for the main cardholder (guests chargeable at US$35 per visit).

Cardholders can also receive up to 8 complimentary airport limo rides per calendar year by spending at least S$3,000 on the card in the previous month.

Miles/Points earned on this card are pretty flexible, as they do not expire. Holding other Maybank cards? Having this card will also remove the expiry term of miles/points earned off all your other Maybank cards.

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💸 Annual fee
S$654
(First year waived)

💼 Income requirement
S$150,000/year

🤑 Foreign currency fee
3.25%

⏰ Points expiry
Points earned on this card never expire

🫱‍🫲 Transfer partners
KrisFlyer, Asia Miles and Enrich

💯 Transfer ratio
2.5 points = 1 mile

🧮 Transfer block
KrisFlyer: 25,000 points (10,000 miles)
Asia Miles & Enrich: 12,500 points (5,000 miles)

💲Transfer fee
No transfer fee

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

❓How points are credited
Earn 5 base point per S$5 spent, plus 35 bonus points for foreign currency transactions (equivalent to 3.2 mpd in total). Base and bonus points are credited immediately when the transaction is posted.

📜 Terms & conditions

Suitesmile rating:

✍️ Short summary
This card gives you an earn rate of 1.3 miles per dollar on SGD spending, and 2.2 miles per dollar on foreign currency transactions.

Principal cardholders can enjoy unlimited free airport lounge visits via DragonPass. However, this entitlement is limited to lounges only (no restaurants and spas) and cannot be used for guests (chargeable at US$32 per visit). Supplementary cardholders get 2 free lounge visits per calendar year.

Miles/points earned on this card do not expire.

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💸 Annual fee
S$498
(No waiver, always comes with 15,000 miles)

💼 Income requirement
S$120,000

🤑 Foreign currency fee
3.25%

⏰ Miles expiry
Miles earned from this card do not expire

🫱‍🫲 Transfer partners
KrisFlyer, Flying Blue

💯 Transfer ratio
2.5 Voyage miles = 1 mile

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

💲Transfer fee
S$25 per transfer

🤗 Miles pooling
Voyage miles from this card cannot be combined with miles/points earned from other OCBC cards.

❓How/When miles are credited
Earn 6.5 Voyage miles per S$5 spent locally (equivalent to 1.3 mpd) and 11 Voyage miles per S$5 spent in foreign currencies (2.2 mpd). Voyage miles are credited immediately when the transactions are posted.

📜 Terms & conditions

Suitesmile rating:

✍️ Short summary

This card awards uncapped 1.1 miles per dollar on local and foreign currency spending. While the local earn rate is sad, the foreign currency earn rate is depressing as those transactions also come with a 3.25% FX fee.

Cardholders can earn an uncapped bonus 0.9 mpd (total 2 mpd) on SIA Group (e.g. Singapore Airlines/Scoot flights, Pelago) and Grab transactions (capped at S$200 per calendar month).

Miles earned on this card are automatically transferred to your KrisFlyer account. While AMEX tries to frame this as a benefit (no conversion fee), seasoned miles chasers know that this comes with a couple of key disadvantages:

1. Cardholders have no flexibility in choosing a different frequent flyer program (obviously, as this is a co-branded card)
2. Miles converted to KrisFlyer will immediately have a fixed expiry term of 3 years

Also, as compared to Visa and Mastercard, it can be harder to find merchants that accept AMEX cards outside the United States.

In my opinion, this is by far the worst Miles credit card in Singapore. There are many good Miles cards with a 4 mpd earn rate, spend with those instead.

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💸 Annual fee
S$179.85
(First year waived)

💼 Income requirement
Not stated (usually S$30,000)

🤑 Foreign currency fee
3.25%

❓How/When are miles credited
Miles are automatically credited to your KrisFlyer account on the statement date.

📜 Terms & conditions

Suitesmile rating:

✍️ Short summary

This card awards uncapped 1.2 miles per dollar on local and foreign currency spending. While the local earn rate is sad, the foreign currency earn rate is depressing as those transactions also come with a 3.25% FX fee.

Cardholders can earn uncapped bonus 0.8 mpd (total 2 mpd) on SIA Group (e.g. Singapore Airlines/Scoot flights, Pelago) and Grab transactions (capped at S$200 per calendar month).

Miles earned on this card are automatically transferred to your KrisFlyer account. While AMEX tries to frame this as a benefit (no conversion fee), seasoned miles chasers know that this comes with a couple of key disadvantages:

1. Cardholders have no flexibility in choosing a different frequent flyer program (obviously, as this is a co-branded card)
2. Miles converted to KrisFlyer will immediately have a fixed expiry term of 3 years

Cardholders get a 1 night stay at a participating Hilton hotel in Asia Pacific every year, which I see as the only real benefit of this card. So, it’s really like pre-paying for a “voucher” (this card’s S$397.85 unwaivable annual fee), then, spending the year trying to find the most expensive Hilton hotel to stay 1 night, plus, the 10,000 renewal miles.

Cardholders can also get an accelerated upgrade to KrisFlyer Elite Gold status after spending at least S$15,000 on Singapore Airlines and Scoot flights (originating from Singapore, booked directly with the airlines). This status is most useful to those who fly in Economy Class with Star Alliance airlines frequently as they’d receive the following benefits:

1. Airport lounge access
2. Extra 20kg checked baggage allowance
3. Priority check-in, boarding and baggage handling

Also, as compared to Visa and Mastercard, it can be harder to find merchants that accept AMEX cards outside the United States.

Like the lower-tier AMEX KrisFlyer Card, I see this as one of the worst Miles credit cards in Singapore. There are many good Miles cards with a 4 mpd earn rate, spend with those instead.

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💸 Annual fee
S$397.85
(No waiver, comes with 10,000 miles every year, from second year)

💼 Income requirement
Not stated (usually S$30,000)

🤑 Foreign currency fee
3.25%

❓How/When are miles credited
Miles are automatically credited to your KrisFlyer account on the statement date.

📜 Terms & conditions

Suitesmile rating:

✍️ Short summary
This card, which is also available to men, gives you a strong earn rate of 4 miles per dollar on online spending, up to S$1,000 per calendar month, with no minimum spending requirement. This covers a wide range of spending categories like online shopping, flights, hotels, food delivery and ride-hailing.

The biggest drawback of this card is its short points expiry term of just 1 year. Cardholders should set yearly reminders to transfer out the points before they expire.

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

💼 Income requirement
S$80,000/year
(Not strict. Many readers with lower income have reported that you can get an approval by applying without SingPass, then entering an annual income above S$80k, before uploading your actual proof of income that is under S$80k.)

🤑 Foreign currency fee
3.25%

⏰ Miles expiry
1 year from transaction

🫱‍🫲 Transfer partners
KrisFlyer, Asia Miles, Qantas Frequent Flyer

💯 Transfer ratio
1 point = 2 miles

🧮 Transfer block
5,000 points (10,000 miles)

💲Transfer fee
S$27.25 per transfer

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

❓How/When points are credited
Earn 1 base point per S$5 spent, plus 9 bonus points for eligible online transactions (equivalent to 4 mpd in total). Base points are credited immediately when the transaction is posted, while bonus points are credited around the middle of the following calendar month.

📜 Terms & conditions

Suitesmile rating:

✍️ 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

Suitesmile rating:

✍️ 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

Suitesmile rating:

✍️ Short summary
This card gives you an uncapped earn rate of 1.3 miles per dollar on SGD spending and 2 miles per dollar on foreign currency spending.

Having many transfer partners and miles that don’t expire gives you fantastic flexibility.

Cardholders are also entitled to 12 free airport lounge visits per calendar year (via Priority Pass) and 4th Night Free on prepaid hotel bookings made through the Citi Prestige Concierge.

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💸 Annual fee
S$651.82
(Strictly no waiver, always comes with 80,000 points, equivalent to 32,000 miles)

💼 Income requirement
S$120,000/year

🤑 Foreign currency fee
3.25%

🛋️ Airport lounge access
12 free lounge visits per calendar year
(via Priority Pass)

⏰ Miles expiry
Miles/Points earned on this card never expire

🫱‍🫲 Transfer partners
KrisFlyer, Asia Miles, Infinity MileageLands, BA Club and more!

💯 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 cannot be combined with those from other Citi cards and can only be transferred out separately.

❓ How/When points are credited
Base miles are credited immediately when the transaction is posted.

📜 Terms & conditions

Suitesmile rating:

✍️ Short summary
Earn uncapped 2.8 miles per dollar on foreign currency spending, when you spend at least S$800 per calendar month on the card.

Earn uncapped 3.2 miles per dollar on foreign currency spending, when you spend at least S$4,000 per calendar month on the card.

Cardholders can also earn uncapped 4 miles per dollar on fuel spending. Given the high amount of cashback (over 20%) that you can get with other cards, this card is best used at Sinopec fuel stations, where all members get between 20% to 23% fuel discounts, regardless of the type of card used.

On top of that cardholders can also receive 4 mpd on non-fuel purchases at the fuel station.

Cardholders also get 4 mpd at selected merchants.

All other transactions earn just 0.4 mpd.

Miles/Points earned on this card are pretty flexible, as they do not expire. Holding other Maybank cards? Having this card will also remove the expiry term of miles/points earned on all your other Maybank cards.

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💸 Annual fee
S$261.60
(First year waived)

💼 Income requirement
S$80,000/year

🤑 Foreign currency fee
3.25%

⏰ Points expiry
Points earned on this card never expire

🫱‍🫲 Transfer partners
KrisFlyer, Asia Miles and Enrich

💯 Transfer ratio
2.5 points = 1 mile

🧮 Transfer block
KrisFlyer: 25,000 points (10,000 miles)
Asia Miles & Enrich: 12,500 points (5,000 miles)

💲Transfer fee
No transfer fee

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

❓How points are credited
Earn 5 base point per S$5 spent, plus 30/35 bonus points for eligible foreign currency spending (equivalent to 2.8/3.2 mpd in total). Base and bonus points are credited immediately when the transaction is posted.

📜 Terms & conditions

Suitesmile rating:

✍️ Short summary
This card gives you unlimited 1.5% cashback on almost everything! This includes spending categories that are usually excluded from earning cashback/miles on other cards like Utilities, Insurance, Hospital and School fees.

Cardholders can also get a 22% discount at SPC fuel stations per year. The Registration is required via the AMEX mobile app.

Here’s a quick breakdown of how the SPC discount is calculated:

• 10% instant discount as an SPC&U member
• 5% instant discount for using an AMEX card
• 7.1% statement credit from the amount that was charged to card
• 1.5% statement credit from the amount that was charged to card

As compared to Visa and Mastercard, it can be harder to find merchants that accept AMEX cards outside the United States.

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💸 Annual fee
S$174.40
(First year waived)

💼 Income requirement
Not stated (usually S$30,000)

🤑 Foreign currency fee
3.25%

❓How/When cashback is credited
Cashback amount is credited into the card by the end of the statement month.

📜 Terms & conditions

Suitesmile rating:

✍️ Short summary

This card gives you uncapped 1.6% cashback on almost everything, with no minimum spending requirement.

The low earn rate is somewhat acceptable for local spending, especially for those who wants a fuss-free card. However, this is not a good card to use for foreign currency spending, which comes with a 3.25% FX fee. Consider using better cashback credit cards.

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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%

❓How/When cashback is credited
Cashback amount is credited into the card at the end of the statement month. Cashback will only be credited in multiples of S$10, when it amounts to at least S$50. Any cashback amount earned but not yet credited will be brought forward to the following month.

📜 Terms & conditions

Suitesmile rating:

✍️ Short summary
This card gives you 1.5% cashback on almost everything, with no minimum spending required. Cardholders can receive an additional 1% cashback when they spend at least S$2,000 in a calendar month. Monthly cashback amount is capped at S$70 (S$2,800 worth of spending).

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
Cashback amount is credited into the card at the end of next calendar month.

📜 Terms & conditions

Suitesmile rating:

✍️ 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

Suitesmile rating:

✍️ Short summary

Cardholders can earn up to 3.33% cashback on a wide range of spending categories like online shopping, in-person shopping, dining, groceries, flights, hotels, ride-hailing, food delivery, phone bills and even insurance* and school fees*.

*3.33% cashback on commonly-excluded categories like Insurance, School Fees and Medical Bills, note that they can only make up a maximum of 30% of your spending tier (e.g. max. S$300 for the S$1,000 tier).

Why “up to” 3.33%? Upon meeting certain conditions, cardholders get a fixed cashback amount of S$30, S$100 or S$200 at the end of each quarter.

How to receive up to 3.33% cashback:

• Tier 1: Get S$30 cashback when you spend at least S$300 per month, for 3 consecutive calendar months in a calendar quarter
• Tier 2: Get S$100 cashback when you spend at least S$1,000 per month, for 3 consecutive calendar months in a calendar quarter
• Tier 3: Get S$200 cashback when you spend at least S$2,000 per month, for 3 consecutive calendar months in a calendar quarter

In other words, you will only receive exactly 3.33% cashback when you spend exactly S$300, S$1,000 or S$2,000 for 3 consecutive months in a calendar quarter. For that reason, a cardholder who spends S$400 to S$900 per month in that same period would unfortunately fall under the S$300 band, and be rewarded with just S$30 cashback from S$2,700 worth of spending (equivalent to 1.1%).

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💸 Quarterly fee
S$21.80
(First 3 years waived, subsequent quarters waived if card is charged at least once every 3 months)

💼 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
Receive your cashback in the card by the following calendar month after the completion of a calendar quarter.

📜 Terms & conditions

Suitesmile rating:

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 Utilities, 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