Best Credit Cards For Hotel Bookings (Miles Vs Cashback)

Last updated on 1 August 2026

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Best Credit Cards for Hotel Booking (Miles vs Cashback)

At a glance: Best credit cards for Hotel Bookings

Choose from a number of great miles and cashback credit cards for hotel bookings to earn up to 4 miles per dollar or 5% cashback.

Top Miles credit card for Hotel Bookings

For hotel bookings paid online, the DBS Woman’s World Card is a great option as it awards 4 mpd and isn’t MCC-sensitive.

For in-person payments made at overseas hotels, the Maybank XL Rewards Card is a great option, also offering a 4 mpd earn rate without MCC sensitivity.

However, note the S$1,000 monthly cap on both cards, which may be too low for this category.

Top Cashback credit card for Hotel Bookings

The best cashback credit card for overseas hotel bookings, paid online or in person, is the Maybank XL Cashback Card, which awards 5% cashback up to S$1,600 per month.

Table of Contents

⚠️ Warning: Some cards (like Citi PremierMiles and UOB PRVI Miles) advertise greater earn rates (up to 8 mpd) on hotel bookings made on selected websites. However, there’s a huge catch: those dedicated links often fetch much higher prices, and bonus miles may not be credited automatically (you’d likely need to call the bank to chase them). Besides, they can’t beat the superb instant discounts (up to 30%) we’ve been seeing on Agoda and Expedia.

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Typical Hotel Booking MCCs

Some credit cards only award bonus miles or cashback on specific MCCs, which may be accepted differently by each MCC-sensitive card, so refer to the card’s terms and conditions in the reviews below.

Hotel bookings with major hotel brands typically use the hotel brand’s own MCC (ranging from 3501 to 3999), while those with smaller hotel brands and Airbnb are categorized under the generic MCC 7011.

Here are some hotel brands with their own MCCs:

3504: Hilton
3509: Marriott
3512: Intercontinental
3634: Swissotel

⚠️ Warning: Hotel bookings paid through online travel agencies (OTAs) like Agoda, Expedia and Trip.com fall under MCC 4722, which doesn’t qualify for bonus miles on the HSBC Revolution Card. However, if you book through the OTA but opt to pay at the hotel, your transaction will fall under the hotel’s MCC.

Here are the typical MCCs for hotel bookings:

MCC	Description
3501 – 3999	[Major hotel brand’s name]
7011	Lodging–Hotels, Motels, Resorts–not elsewhere classified
4722	Travel Agencies and Tour Operators

Best Miles credit cards for Hotel Bookings

Compare and browse reviews of the best Miles credit cards for hotel bookings to earn up to 4 miles per dollar. Use these great cards for hotel payments in Singapore and overseas.

How are these cards chosen and ranked?

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

1) Earn rates (miles/cashback)
2) Accessibility (min. income/age requirements)
3) Ease of use (min. spending, conditions to receive max. miles/cashback)
4) Miles/Points flexibility (expiry term, transfer partners)
5) Annual fee
6) Foreign transaction fee
7) Other additional benefits

DBS Woman’s World Card

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

Apply

More information

Key details of the DBS Woman’s World Card

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 miles expiry term
⚠️ Only 3 useful miles transfer partners
⚠️ 3.25% foreign transaction fee

🎁 Sign-up promo

Maybank XL Rewards Card

Earn 4 mpd on hotel bookings, up to S$1,000 per calendar month. Minimum card spend of S$500 per calendar month required.

⚠️ If SGD, no major hotel brands

Apply

More information

Key details of the Maybank XL Rewards Card

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

📄 Complete review

🎁 Sign-up promo

HSBC Revolution Card

Earn 4 mpd on hotel bookings, up to S$1,000 per calendar month. No minimum spending required. Boost earn rate to 8 mpd (up to S$1,200/month) with a minimum deposit of S$50,000.

⚠️ MCC-sensitive, direct with hotels only (no online travel agencies)

Apply

More information

Key details of the HSBC Revolution Card

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

📄 Complete review

🎁 Sign-up promo

UOB Lady’s Card

Earn 4 mpd on hotel bookings, up to S$1,000 per calendar month. No minimum spending required. Travel category must be pre-selected.

⚠️ MCC-sensitive

Apply

More information

Key details of the UOB Lady’s Card

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

🎁 Sign-up promo

UOB Preferred Visa Card

Earn 4 mpd on hotel bookings when paying using a mobile contactless method (e.g. Google Pay, Apple Pay), up to S$600 per calendar month. No minimum spending required.

Apply

More information

Key details of the UOB Preferred Visa Card

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

🎁 Sign-up promo

UOB Visa Signature Card

Earn 4 mpd on hotel bookings when paying with a contactless method (e.g. PayWave, Google Pay, Apple Pay), up to S$1,200 per statement month. Minimum category spend of S$1,000 per statement month required.

Apply

More information

Key details of the UOB Visa Signature Card

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

🎁 Sign-up promo

UOB Lady’s Solitaire Card

Earn 4 mpd on hotel bookings, up to S$750 per calendar month. No minimum spending required. Travel category must be pre-selected.

⚠️ MCC-sensitive

Apply

More information

Key details of the UOB Lady’s Solitaire Card

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

🎁 Sign-up promo

Maybank Horizon Visa Signature Card

Earn uncapped 2.8 mpd on hotel bookings in foreign currencies. Minimum card spend of S$800 per calendar month required.

Apply

More information

Key details of the Maybank Horizon Visa Signature Card

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)

Earn 2.8 mpd on foreign currency spending (uncapped)
Earn 2.8 mpd on flight bookings, up to S$10,000 per calendar month
1-year miles expiry term

⚠️ Minimum card spend of S$800 per calendar month required for bonus earn rate
⚠️ 0.24 mpd earn rate on non-bonus spending
⚠️ Only 3 useful miles transfer partners
⚠️ 3.25% foreign transaction fee

🎁 Sign-up promo

Maybank World Mastercard

Earn uncapped 2.8 mpd or 3.2 mpd on hotel bookings in foreign currencies. Minimum card spend of S$800 and S$4,000 per calendar month required, respectively.

Apply

More information

Key details of the Maybank World Mastercard

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
Annual fee: S$261.60 (first year waived; request waiver every year)

Earn 2.8 – 3.2 mpd on foreign currency spending
Earn 4 mpd on fuel spending
Uncapped earn rates
Miles don’t expire

⚠️ Minimum card spend of S$800 (for 2.8 mpd) and S$4,000 (for 3.2 mpd) per calendar month required for foreign currency bonus earn rates
⚠️ 0.4 mpd earn rate on non-bonus spending
⚠️ Only 3 useful miles transfer partners
⚠️ 3.25% foreign transaction fee

🎁 Sign-up promo

Citi Prestige Card

Get 4th night free on prepaid hotel bookings made via Citi Prestige Concierge.

⚠️ Taxes/fees on the free night are chargeable

Apply

More information

Key details of the Citi Prestige Card

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$651.82 (no waiver; always comes with 32,000 miles)

Get 12 free airport lounge visits per calendar year ^{Get 12 free airport lounge visits worldwide via Priority Pass. Entitlement can be used for lounges, restaurants and spas, for the principal cardholder and guests. Supplementary cardholders do not have any airport lounge entitlement.}
4th night free on hotel bookings
No minimum spending
Uncapped earn rates
Miles don’t expire
9 useful miles transfer partners

⚠️ Low earn rates (spend with 4 mpd cards instead):
• 1.3 mpd on local spending
• 2 mpd on foreign currency spending⚠️ 3.25% foreign transaction fee
⚠️ Many unfavourable rules on 4th night free benefit ^{Must book via Citi Prestige Concierge. Must be prepaid at the time of booking. Get credited on room rate only (you'll still have to pay taxes/fees on the 'complimentary night').

Ineligible bookings include: Back-to-back stays in the same city, suites, villas, apartments and packaged rates.}

🎁 Sign-up promo

Best Cashback credit cards for Hotel Bookings

Compare and browse reviews of the best Cashback credit cards for hotel bookings to earn up to 5% cashback. Use these great cards for hotel payments in Singapore and overseas.

How are these cards chosen and ranked?

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

Maybank XL Cashback Card

Get 5% cashback on hotel bookings, up to S$1,600 per calendar month. Minimum card spend of S$500 per calendar month required.

⚠️ If SGD, no major hotel brands

Apply

More information

Key details of the Maybank XL Cashback Card

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

🎁 Sign-up promo

Mari Credit Card

Get 1.5% cashback with zero FX fees on hotel bookings in foreign currencies, up to S$1,500 per calendar month. No minimum spending required.

Apply

(Apply with code: 6JAC91WK)

More information

Key details of the Mari Credit Card

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

🎁 Sign-up bonus

Trust Cashback Card

Get uncapped 0.5% cashback with zero FX fees on hotel bookings in foreign currencies. No minimum spending required.

Download Trust App

(Apply with code: V1WB7T8A)

More information

Key details of the Trust Cashback Card

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

Get 0.5% cashback on foreign transactions
No minimum spending
Uncapped earn rates
No foreign transaction fees

⚠️ “15% cashback” claim for chosen category is impossible to achieve
⚠️ Low earn rate for local spending (spend with better cashback cards)

📄 Complete review

🎁 Sign-up promo

CIMB Visa Infinite Card

Both of these offers are stackable!

Promo 1: Fulfilled by CIMB

Reward
Samsonite Black Label luggage (worth S$1,150)

How to qualify?

✅ Be a new credit cardholder of the bank ^{Those who cancelled their last credit card with the bank more than 12 months ago will also qualify.}
✅ Apply by 31 Aug 2026
✅ Spend at least S$2,000 within 60 days after card approval date ^{Meet this minimum spending in one or more transactions. It is recommended to spend this entire amount at least 5 days early, so that all transactions are posted in time.}

Terms & conditions

Promo 2: Fulfilled by SingSaver

Reward
S$50 cash

How to qualify?

Terms & conditions

Apply

(Enjoy both offers through this application link)

Get uncapped 2% cashback on hotel bookings. Minimum card spend of S$2,000 per statement month required.

⚠️ MCC-sensitive

Apply

Card details

Key details of the CIMB Visa Infinite Card

Get 3 free airport lounge visits per card membership year ^{Get 3 free airport lounge visits worldwide via DragonPass. Entitlement can be used for lounges, restaurants and spas, for the principal cardholder only. Supplementary cardholders do not have any airport lounge entitlement.}
Get 2% cashback on flights, hotels and foreign currency spending
Uncapped earn rates

⚠️ Minimum card spend of S$2,000 per statement month required for bonus cashback
⚠️ Bonus category is MCC-sensitive
⚠️ Low earn rate on non-bonus spending (spend with better cashback cards)
⚠️ 3% foreign transaction fee

🎁 Sign-up promo