Best Large Purchase Miles/Cashback Credit Cards in Singapore (April 2024)

Last updated on 27 January 2024

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What are the Best Cards in Singapore for Big-Ticket Items?

These cards have great earn rates and high annual limits. If you have used up the limits of these cards, the next best options are general spending cards. Cardholders can also receive high rewards through credit cards’ sign-up bonuses.

Additional notes:

Citi SMRT: Online Shopping (except travel-related) only
Maybank Horizon: Flights and Foreign Currency only
KrisFlyer UOB: Singapore Airlines, Scoot and Expedia only

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) Ease of use (spending/income requirements)
3) Miles/Points flexibility (total transfer partners)
4) Miles/Points expiry term
5) Annual fee
6) Other additional benefits

💡Click on the + Card Summary buttons below to instantly view the key details of each card!

Citi SMRT

Get 5% cashback on online spending, groceries and transportation

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🎁 Sign-up bonus

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More information on the

Citi SMRT Visa Card

Suitesmile rating:

✍️ Short summary
This card gives you 5% cashback on Online (except travel-related), Groceries, Ride-hailing and Public Transport spending upon meeting the minimum spend of $500 per statement month.

Cashback is capped at $600 per card membership year. This annual limit gives you the opportunity to get 5% cashback on $12,000 worth of eligible spending, making this card fantastic for large purchases!

Get just 0.3% cashback for all other spending categories.

💸 Annual fee
$196.20
(First 2 years waived)

💼 Income requirement
$30,000/year

🤑 Foreign currency fee
3.25%

❓How cashback is credited
Cash rebates are credited in the form of SMRT$. Cardholders are required to redeem them via SMS (min. $10).

📜 Terms & conditions

Maybank Horizon

Earn 2.8 mpd on flights and foreign currency spending

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🎁 Sign-up bonus

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More information on the

Maybank Horizon Visa Signature Card

Suitesmile rating:

✍️ Short summary
Cardholders can receive an uncapped earn rate of 2.8 miles per dollar on foreign currency transactions, when spending at least $800 per calendar month.

On top of that, cardholders can also receive 2.8 miles per dollar on flight bookings, when spending at least $800 per calendar month. However, this bonus earn rate is capped at $10,000 per calendar month.

Other transactions, including foreign currency spending under $800 per calendar month, earn just 1.2 mpd (very poor!).

Miles earned on this card expire after just 1 year, and can only be transferred to 3 Frequent Flyer Programs. Because of its poor flexibility and minimum spending requirement, I recommend using this card only for school fees in foreign currency and more-expensive flight bookings in Singapore Dollars.

💸 Annual fee
$180
(First 3 years waived)

💼 Income requirement
$30,000/year

🤑 Foreign currency fee
3.25%

⏰ Points expiry
1 year from transaction

🫱‍🫲 Transfer partners
Krisflyer, Asia Miles and Enrich

💯 Transfer ratio
2.5 points = 1 mile

🧮 Transfer blocks
KrisFlyer: 12,500 points (5,000 miles)
Asia Miles: 5,000 (2,000 miles)
Enrich: 2,500 (1,000 miles)

💲Transfer fee
$27 per transfer

🤗 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 $5 dollar spent, plus 45 bonus points for eligible online transactions (equivalent to 3.2 mpd in total).

📜 Terms & conditions

KrisFlyer UOB

Earn 3 mpd on dining, online shopping and selected travel spending

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🎁 Sign-up bonus

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KrisFlyer UOB Mastercard

Suitesmile rating:

✍️ Short summary
This card gives you an uncapped 3 mpd earn rate on Singapore Airlines, Scoot, KrisShop and Kris+, as well as travel spending made on selected websites like airbnb.com, booking.com and expedia.com.

Cardholders can also receive the same uncapped 3 mpd earn rate (1.2 base + 1.8 bonus) on everyday spending categories like dining, online shopping, online food delivery, ride-hailing and public transport, when they spend at least S$800 on Singapore Airlines, Scoot or KrisShop collectively in a card membership year.

All other transactions earn 1.2 mpd, including foreign currency spending (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 (1.8 mpd) are only credited within 2 months, at 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 4/6 mpd cards first, before using this one.

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

💼 Income requirement
$30,000/year

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

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

🫱‍🫲 Transfer partner
KrisFlyer only

🧮 Transfer block
N/A

💲 Transfer fee
No transfer fee

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

❓ How/When miles are credited
Earn 6 base miles per $5 dollar spent, plus 9 bonus miles for eligible transactions (equivalent to 3 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