Last updated on 14 June 2025
Pick a category below to view the best cards
What are the best cards for Hotel bookings?
Warning: Some cards (like Citi PremierMiles and UOB PRVI) offer 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’ll need to call the bank to chase for them). Besides, they can’t beat the superb instant discounts (as high as 30%) that we’ve been seeing on Agoda and Expedia.
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
| UOB Lady’s | 4 mpd • Travel category must be pre-selected • Up to $1,000 per calendar month |
| UOB Preferred Platinum | 4 mpd • In-person Mobile Contactless only (G Pay, Apple Pay) • Up to $1,110 per calendar month |
| DBS Woman’s World | 4 mpd • Online only • Up to $1,500 per calendar month |
| Chocolate Card | No foreign currency fee + 2 mpd • In foreign currency only • Up to $1,000 per calendar month • No annual fee, ever |
| Trust Cashback | No foreign currency fee + 1% cashback • In foreign currency only • No annual fee, ever |
| Citi Prestige | 4th night free • Book through Citi Prestige Concierge • $545 annual fee (no waiver) |
| UOB Visa Signature | 4 mpd • Online in foreign currency, or contactless only • Min. spend $1,000 per statement month • Up to $2,000 per statement month |
| Maybank World | 2.8 – 3.2 mpd • In foreign currency only • Min. spend $800 per calendar month for 2.8 mpd • Min. spend $4,000 per calendar month for 3.2 mpd |
| Maybank Horizon | 2.8 mpd • In foreign currency only • Min. spend $800 per calendar month |
💡 Click on the + Card Summary buttons below to view the key details of each card.
UOB Lady’s
Earn 4 mpd on chosen bonus category
More information on the
This card, which is also available to men, gives you a great earn rate of 4 miles per dollar on your pre-selected bonus category, up to $1,000 per calendar month.
Take note that cardholders will only earn 0.4 mpd on other categories and spending above $1,000 per calendar month.
Cardholders can choose/change a preferred bonus category every quarter.
The 7 bonus categories available are:
- Beauty & Wellness (e.g. cosmetic stores, hair salons, spas)
- Fashion (e.g. clothing, shoes stores)
- Dining (e.g. restaurants, food delivery)
- Family (e.g. supermarkets, children clothing stores)
- Travel (e.g. flights, hotels, duty-free stores)
- Transport (e.g. public transport, taxi, petrol)
- Entertainment (e.g. bars, night clubs, cinemas)
Cardholders may check existing selected bonus category by calling UOB.
💸 Annual fee
$196.20
(First year waived)
💼 Income requirement
$30,000/year
🤑 Foreign currency fee
3.25%
⏰ Points expiry
2 years from transaction
🫱🫲 Transfer partners
KrisFlyer and Asia Miles
💯 Transfer ratio
1 UNI$ = 2 miles
🧮 Transfer block
5,000 UNI$ (10,000 miles)
💲Transfer fee
$25 per transfer
🤗 Points pooling
UNI$ 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 $5 dollar spent, plus 9 bonus UNI$ 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.
UOB Preferred Platinum
Earn 4 mpd on Mobile Contactless spending
More information on the
This card gives you a strong earn rate of 4 miles per dollar on almost all mobile contactless spending (in foreign currency too), including dining, groceries, hotels and in-person shopping, up to $1,110 per calendar month.
Cardholders can also enjoy the same earn rate on online transactions, but this is limited to selected MCCs for general shopping, groceries and entertainment (check t&c below).
Take note that cardholders will only earn 0.4 mpd on other categories and spending above $1,110 per calendar month. On top of that, cardholders will not earn any miles/points on SimplyGo transactions (i.e. bus or MRT), even when paid through mobile contactless.
“Mobile Contactless” refers to Google Pay, Apply Pay, Samsung Pay and Fitbit Pay. Cardholders will not earn 4 mpd by using the physical card.
💸 Annual fee
$196.20
(First year waived)
💼 Income requirement
$30,000/year
🤑 Foreign currency fee
3.25%
⏰ Points expiry
2 years from transaction
🫱🫲 Transfer partners
KrisFlyer and Asia Miles
💯 Transfer ratio
1 UNI$ = 2 miles
🧮 Transfer block
5,000 UNI$ (10,000 miles)
💲Transfer fee
$25 per transfer
🤗 Points pooling
UNI$ 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 $5 dollar spent, plus 9 bonus UNI$ 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.
DBS Woman’s World
Earn 4 mpd on online spending
More information on the
This card, which is also available to men, gives you a strong earn rate of 4 miles per dollar on online spending (in foreign currency too!) on key spending categories like online shopping, flights, hotels, food delivery and ride-hailing, up to $1,500 per calendar month.
The biggest drawback is that DBS points earned on this card have an expiry term of just 1 year. With a minimum transfer block of 5,000 points (10,000 miles), cardholders often find themselves with expiring “orphan” points of under 5,000, that can only be redeemed for low-value items like mall/dining vouchers.
💸 Annual fee
$196.20
(First year waived)
💼 Income requirement
$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 $80k, before uploading your actual proof of income that is under $80k.)
🤑 Foreign currency fee
3.25%
⏰ Points 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
$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 $5 dollar 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.
Chocolate Card
Earn 2 mpd on almost everything, no FX fees
🎁 Sign-up bonusNo sign-up bonus for the Chocolate Card at the moment, but get up to 250 miles when you sign up for a HeyMax account using the link below.
More information on the
In collaboration with HeyMax, this card gives you an earn rate of 2 miles per dollar on almost everything, up to $1,000 per calendar month. Cardholders also enjoy great foreign exchange rates and no foreign currency fees. Transactions beyond $1,000 per month earn 0.4 mpd.
As a Debit card, it has no income requirement, making it perfect for students (above 18 yrs) and retirees who are looking to accumulate miles. This card also does not have an annual fee.
This is a great card for all foreign currency spending, as well as transactions that are commonly-excluded from earning miles/cashback on other cards. This includes:
- Insurance
- Hospitals
- Utilities
- Road Tax, Season Parking, Traffic Fines
- Public Transport
- School Fees
Link to HeyMax: To earn miles on the Chocolate Card, you need to sign up for a free HeyMax account and link your card to your HeyMax account (in the HeyMax app or website).
Limitations of the Chocolate Card: As this is a Debit card, all spending on the card will be deducted directly from your Chocolate Account balance. Yes, you need to have sufficient money in your account before spending on the card. There are transaction limits of S$5k per transaction, S$20k per day. The Chocolate Card is protected by Visa’s Zero Liability Policy, which guarantees that you won’t be held responsible for unauthorized charges made with your card or card details. For better peace of mind, you may freeze the Chocolate Card in the app when not using.
Having no annual fee, no income requirement, no foreign currency fee, no transfer fee and miles that never expire makes this a great card for miles chasers in Singapore; but only those who are aware of the benefits of Frequent Flyer Programs other than KrisFlyer.
Due to the low earn rate, this is not a good card for SGD spending on common categories like dining, groceries, online shopping, food delivery etc.
Read our detailed article on the Chocolate Card.
💸 Annual fee
No annual fee, ever
💼 Income requirement
No income requirement
🤑 Foreign currency fee
No foreign currency fee
⏰ Miles expiry
Max miles don’t expire
🫱🫲 Transfer partners
Executive Club, Aeroplan, Accor, Hyatt and more!
(Note: Max miles cannot be transferred to KrisFlyer)
💯 Transfer ratio
1 Max mile = 1 mile/point
🧮 Transfer block
1,000 miles or 10,000 miles
💲Transfer fee
Free
❓How/When miles are credited
Miles are credited immediately when the transaction is posted.
Trust Cashback
1% cashback, no FX fees, free overseas ATM withdrawals
🎁 Sign-up bonusApply using code V1WB7T8A and spend 6 times within 15 days to receive a scratch card worth $60, $600 or $6,000.
More information on the
This card gives you unlimited 1% cashback, great foreign exchange rates and no foreign currency fees; and it does not come with an annual fee! Note: Cardholders can only receive 1% cashback on non-chosen spending category (personally, I picked the Wellness category to receive 1% cashback on all foreign currency spending other than spas, gyms, pharmacies etc.).
The existence of this card also means that the opportunity cost of using Miles cards for foreign currency spending is now over 4%, as those cards come with around 3.25% in FX fees, and no 1% cashback.
To avoid interest charges on overseas ATM cash withdrawals, follow these easy steps:
- Apply for the Trust card with code V1WB7T8A
- Apply for a Trust Savings Account through the Trust app (instant approval). There is no minimum balance, monthly fee or lock-in period to worry about!
- Deposit enough money into your Trust Savings Account
- When withdrawing cash from an overseas ATM, be sure to select Savings Account on the ATM screen (i.e. not Current, not Credit Card), and of course, never let the ATM do any currency conversion for you, as the markups are insane
The card also has a highly-complicated and misleading benefit, claiming to offer “up to 15% cashback” on your chosen spending category:
- Dining (e.g. restaurants, bakeries, food deliveries)
- Shopping (e.g. department, clothing, watch stores)
- Travel (e.g. airlines, hotels, travel agencies)
- Wellness (e.g. beauty shops, spas, gyms, pharmacies)
- Transport (e.g. ride-hailing, car rental, petrol)
- Entertainment (e.g. bars, movies, streaming services)
Why misleading? The cashback cap is a lot lower than the minimum spending requirement. Examples here.
To summarize the cashback mechanics:
To receive “15% cashback” on the chosen category, one would need to spend at least $2,000 per month, for 3 consecutive months in a quarter (total of at least $6,000). The cardholder would then be credited with $250 in cashback; that is, IF he/she had spent an average of at least $555 per month, on the chosen category.
This also means that, to unlock the “15% cashback” on $555 worth of spending, one would need to spend $1,445 per month on other things, and only earn 1% cashback on them. So, there’s a huge opportunity cost of not using other superior cards on this amount.
Essentially, this card gives you an effective cashback amount of around 4 to 4.9% on your preferred category, when spending $1,000 or $2,000 per month, for 3 consecutive months in a quarter, far lower than the advertised amount.
Cardholders can choose their preferred bonus category in the Trust mobile app.
💸 Annual fee
No annual fee, ever
💼 Income requirement
$30,000/year
🤑 Foreign currency fee
No foreign currency fee
Citi Prestige
Unlimited free airport lounge visits for two, 4th night free on hotel bookings
More information on the
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 do not expire gives you fantastic flexibility.
Cardholders are also entitled to unlimited free airport lounge visits (via Priority Pass) for the cardholder +1 guest and 4th Night Free on prepaid hotel bookings made through the Citi Prestige Concierge.
💸 Annual fee
$545
(Strictly no waiver. Comes with 62,500 points, equivalent to 25,000 miles)
💼 Income requirement
$120,000/year
🤑 Foreign currency fee
3.25%
🛋️ Airport lounge access
Unlimited free visits per calendar year for 2 pax via Priority Pass
⏰ Points expiry
Points earned on this card never expires!
🫱🫲 Transfer partners
KrisFlyer, Asia Miles, Infinity MileageLands, Executive Club and more!
💯 Transfer ratio
2.5 points = 1 mile
🧮 Transfer block
25,000 points (10,000 miles)
💲 Transfer fee
$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.
UOB Visa Signature
Earn 4 mpd on foreign currency, contactless spending
More information on the
This card gives you a strong earn rate of 4 miles per dollar on foreign currency (online or offline) and/or contactless spending. This covers most spending categories like dining, groceries, flights, hotels, retail shopping, food delivery and ride-hailing.
A minimum spending of $1,000 per statement month is required, with a $2,000 cap during the same period.
Take note that cardholders will only earn 0.4 mpd on other categories and spending below $1,000 and above $2,000 per statement month.
💸 Annual fee
$218
(First year waived)
💼 Income requirement
$50,000/year
🤑 Foreign currency fee
3.25%
⏰ Points expiry
2 years from transaction
🫱🫲 Transfer partners
KrisFlyer and Asia Miles
💯 Transfer ratio
1 UNI$ = 2 miles
🧮 Transfer block
5,000 UNI$ (10,000 miles)
💲Transfer fee
$25 per transfer
🤗 Points pooling
UNI$ 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 $5 dollar spent, plus 9 bonus UNI$ 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.
Maybank World
Earn uncapped 2.8 – 3.2 mpd on foreign currency spending
More information on the
Earn uncapped 2.8 miles per dollar on foreign currency spending, when you spend at least $800 per calendar month on the card (in any currency).
Earn uncapped 3.2 miles per dollar on foreign currency spending, when you spend at least $4,000 per calendar month on the card (in any currency).
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!
💸 Annual fee
$261.60
(First year waived)
💼 Income requirement
$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: 12,500 points (5,000 miles)
Asia Miles: 5,000 (2,000 miles)
Enrich: 2,500 (1,000 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 $5 dollar spent, plus 45 bonus points for eligible online transactions (equivalent to 4 mpd in total). Base and bonus points are credited immediately when the transaction is posted.
Maybank Horizon
Earn 2.8 mpd on flights and foreign currency spending
More information on the
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 whitelisted transactions in SGD earn 1.2 mpd, and non-whitelisted ones just 0.24 mpd.
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
$196.20
(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
$27.25 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).