Best Credit Cards For School Fees (Miles Vs Cashback)

Last updated on 20 July 2026

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Best Credit Cards for School Fees Singapore (Miles vs Cashback)

Table of Contents

Best Miles credit cards for School Fees

Education is a commonly-excluded spending category for earning rewards on Singapore credit cards, except for these few. Compare and browse reviews of the best Miles credit cards for education payments, including school fees, childcare and tuition fees.

Alternatively, pay for insurance through CardUp with the latest promo codes for an opportunity to buy miles for cheap.

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

UOB Visa Infinite Metal Card

Fulfilled by UOB

Reward
• 60,000 miles
^{(new cardholder)}
• 40,000 miles
^{(existing cardholder)}

How to qualify?

✅ Be a new or existing credit cardholder of the bank ^{Those who cancelled their last credit card with the bank more than 6 months ago will also qualify as a new cardholder.}
✅ Apply by 30 Sep 2026
✅ Spend at least S$4,000 within 30 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.}
✅ Pay S$654 annual fee

Terms & conditions

Apply

Earn uncapped 1.4 or 2.4 mpd on school fees in Singapore and overseas, respectively. No minimum spending required.

Apply

Card details

Key details of the UOB Visa Infinite Metal 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$654 (no waiver; always comes with 25,000 miles)

Get 12 free airport lounge visits per card membership year ^{Get 12 free airport lounge visits worldwide via Dragonpass. Entitlement can be used for lounges, restaurants and spas, for the principal cardholder and guests. Supplementary cardholders share the same lounge entitlement as the principal cardholder.}
No minimum spending
Uncapped earn rates
Free miles transfers to frequent flyer programs

⚠️ Low earn rates (spend with 4 mpd cards instead):
• 1.4 mpd on local spending
• 2.4 mpd on foreign currency spending⚠️ 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

Maybank Visa Infinite Card

Earn uncapped 1.2 or 3.2 mpd on school fees in Singapore and overseas, respectively. No minimum spending required for SGD payments; foreign currency earn rate requires S$4,000 minimum spending.

Apply

Card details

Key details of the Maybank Visa Infinite Card

Get 4 free airport lounge visits per card membership year ^{Get 4 free airport lounge visits worldwide via Priority Pass. Entitlement can be used for lounges, restaurants and spas, for the principal cardholder only. Supplementary cardholders do not have any airport lounge entitlement.}
Earn 3.2 mpd on foreign currency spending
Earn base miles (1.2 or 2 mpd) on commonly excluded categories like insurance, education and medical
Uncapped earn rates
Miles don’t expire
Up to 8 free airport limo rides per calendar year ^{To qualify, cardholders will need to spend at least S$3,000 on the card in the preceding calendar month.}

⚠️ Minimum card spend of S$4,000 per calendar month required for foreign currency bonus earn rate
⚠️ 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 (without min. spend)⚠️ S$5 earning block ^{Transactions under S$5 earn zero miles.}
⚠️ Only 3 useful miles transfer partners
⚠️ 3.25% foreign transaction fee

🎁 Sign-up promo

Maybank XL Rewards Card

Fulfilled by Maybank

Reward
S$10 cashback

How to qualify?

✅ Be a new credit cardholder of the bank ^{Those who cancelled their last credit card with the bank more than 9 months ago will also qualify.}
✅ Apply by 31 Oct 2026
✅ Spend at least once (any amount) within 30 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

Apply

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

⚠️ Earn only 0.4 mpd if SGD

Apply

Card details

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

Maybank World Mastercard

Fulfilled by Maybank

Reward
Samsonite luggage (worth S$530)

How to qualify?

✅ Be a new credit cardholder of the bank ^{Those who cancelled their last credit card with the bank more than 9 months ago will also qualify.}
✅ Apply by 31 Oct 2026
✅ Spend at least S$1,300 within 2 months 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

Apply

Earn uncapped 2.8 or 3.2 mpd on school fees overseas, with a minimum card spend of S$800 and S$4,000 per calendar month, respectively.

⚠️ Earn only 0.4 mpd if SGD

Apply

Card details

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

Maybank Horizon Visa Signature Card

Fulfilled by Maybank

Reward
Samsonite luggage (worth S$530)

How to qualify?

Terms & conditions

Apply

Earn uncapped 2.8 mpd on school fees overseas, with a minimum card spend of S$800 per calendar month.

⚠️ Earn only 0.24 mpd if SGD

Apply

Card details

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

Best Cashback credit cards for School Fees

Education is a commonly-excluded spending category for earning rewards on Singapore credit cards, except for these few. Compare and browse reviews of the best Cashback credit cards for education payments, including school fees, childcare and tuition fees.

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:

AMEX True Cashback Card

Fulfilled by American Express

Reward
3% cashback (first S$5,000 in 6 months)

How to qualify?

✅ Be a new credit cardholder of the bank ^{Those who cancelled their last American Express credit card more than 12 months ago will also qualify.}

Apply

Get uncapped 1.5% cashback on school fees. No minimum spending required.

⚠️ Not good for foreign currency spending due to high FX fee

Apply

Card details

Key details of the AMEX True 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: Not stated (usually S$30,000)
Annual fee: S$174.40 (first year waived; request waiver every year)

Get 22% fuel savings at SPC till 31 Dec 2026, up to S$1,690
Get uncapped 1.5% cashback on almost everything, including commonly-excluded transactions (e.g. utilities, school fees, healthcare)
No minimum spending

⚠️ Low earn rate (spend with better cashback cards)
⚠️ AMEX cards have lower merchant acceptance than Visa/Mastercard
⚠️ 3.25% foreign transaction fee

🎁 Sign-up promo

Maybank Platinum Visa Card

Fulfilled by Maybank

Reward
Samsonite luggage (worth S$530)

How to qualify?

Terms & conditions

Apply

Get up to 3.33% cashback on school fees, up to S$600 per calendar month. Minimum card spend of S$300/S$1,000/S$2,000 per calendar month for 3 consecutive months in a calendar quarter required. Education payments can only make up 30% of the spending tier, at most.

⚠️ Not good for foreign currency spending due to high FX fee

Apply

Card details

Key details of the Maybank Platinum 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$30,000
• Malaysian: S$45,000
• Foreigner: S$60,000Quarterly fee: S$21.80 (first 3 years waived; subsequent quarters waived if card is charged at least once every 3 months)

Get up to 3.33% cashback on almost everything, up to S$300, S$1,000 or S$2,000 per calendar month ^{Cashback capped at S$30, S$100 or S$200 per quarter (equivalent to S$10, S$33.33 or S$66.67 per month).}
Commonly-excluded categories like insurance, medical and education also qualify for up to 3.33% cashback

⚠️ Minimum card spend of S$300, S$1,000 or S$2,000 per calendar month, for 3 consecutive months in a calendar quarter required for bonus cashback
⚠️ Cashback on selected categories like insurance, medical and education capped at 30% of minimum spending tier
⚠️ 3.25% foreign transaction fee

🎁 Sign-up promo

Maybank XL Cashback Card

Fulfilled by Maybank

Reward
S$10 cashback

How to qualify?

Terms & conditions

Apply

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

⚠️ Get only 0.2% cashback if SGD

Apply

Card details

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