Last updated on 3 April 2025
Pick a category below to view the best cards
What are the Best Cards in Singapore for Telco and Home Broadband Bills?
Related: Best Mobile Plans for Travellers (Free Data Roaming)
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
| Citi Rewards | 4 mpd • Pay via mobile app (Singtel customers pay on the website) • Do not set up recurring payment • Up to $1,000 per statement month |
| DBS Woman’s World | 4 mpd • Pay via mobile app (Singtel customers pay on the website) • Do not set up recurring payment • Up to $1,500 per calendar month |
| Chocolate Card | 2 mpd • Up to $1,000 per calendar month • No annual fee, ever |
| Maybank Family & Friends | 8% cashback • Data Communication & Online TV Streaming category must be pre-selected • Min. spend $800 per calendar month • Up to $312.50 per calendar month |
| UOB One | Up to 3.33% cashback • Min. spend $500/$1,000/$2,000 per statement month • Up to $500/$1,000/$2,000 per statement month • Maintain spending tier monthly, in a qualifying quarter |
| Maybank Platinum Visa | Up to 3.33% cashback • Min. spend $300/$1,000/$2,000 per calendar month • Up to $300/$1,000/$2,000 per calendar month • Maintain spending tier monthly, in a calendar quarter |
| DBS yuu | 18% cashback • Singtel only (pay at Singtel kiosks) • Min. spend $600 per calendar month • Up to $600 per calendar month |
💡 Click on the + Card Summary buttons below to view the key details of each card.
Citi Rewards
Earn 4 mpd on online spending
More information on the
This card gives you a strong earn rate of 4 miles per dollar on online spending, up to $1,000 per statement month. This covers a wide range of spending categories like online shopping, ride-hailing, food delivery and even phone/internet bills.
Cardholders can also earn 4 mpd on in-person shopping at stores that sell shoes and bags and clothes as their main business activity.
Take note that cardholders will only earn 0.4 mpd on travel-related categories (e.g. flights and hotels) and spending above $1,000 per statement month.
Having many transfer partners and up to 5-year expiry term gives you fantastic flexibility. However, take note that your points’ expiry term starts from the date the card is opened (i.e. not from the transaction date).
Pro tip: Link this card to the Amaze card to also earn 4 mpd on in-person spending like dining, groceries and shopping. This pairing turns all your offline transactions “online” (to earn 4 mpd) and lowers your foreign currency charges. But take note that SGD transactions through Amaze will incur a 1% fee (min. 50 cents).
View our complete review of the Citi Rewards Card.
💸 Annual fee
$196.20
(First year waived)
💼 Income requirement
$30,000/year
🤑 Foreign currency fee
3.25%
(Lower this fee by linking this card to Amaze)
⏰ Points expiry
Every 5 years from card opening date (+3 months grace period)
🫱🫲 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
Earn 1 base point per dollar spent, plus 9 bonus points for online spending (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.
Maybank Family & Friends
Get 8% cashback on chosen categories
More information on the
This card gives you a strong 8% cashback on chosen spending categories, if you spend at least $800 (in SGD or foreign currency) on the card in a calendar month. Cashback is capped at $25 per category ($312.50 worth of spending) and $150 in total ($1,875 worth of spending).
Cardholders can choose 5 bonus categories (via Maybank’s TREATS SG app) from a list of 10:
- Groceries (default)
- Transport (default)
- Dining & Food Delivery (default)
- Retail & Pets (default)
- Data Communication & Online TV Streaming (default)
- Online Shopping
- Entertainment
- Pharmacy
- Sports & Sports Apparels
- Beauty & Wellness
Additional Bonus Category
Cardholders can also earn an additional 8% cashback on eligible purchases made in Malaysian Ringgit or Indonesian Rupiah, but not if they fall under the cardholder’s default/selected spending categories. If a transaction overlaps with these categories and exceeds the limit of S$312.50 per month, only the amount spent beyond that limit will qualify for the bonus. Cashback earned in this category is also capped at $25 per calendar month.
Pro tip: Can’t meet the $800 monthly spending requirement? You can purchase supermarket vouchers in store to make up the difference. These voucher purchases will be eligible for 8% cashback and can be used for grocery shopping in future.
Get just 0.3% cashback for other spending categories.
💸 Annual fee
$196.20
(First 3 years waived)
💼 Income requirement
$30,000/year
🤑 Foreign currency fee
3.25%
❓When cashback is credited
Cashback amount is credited into the card at the end of the statement month.
UOB One
Earn up to 3.33% cashback on almost everything
More information on the
Most specialized cashback cards (offering over 1.7% cashback) require cardholders to meet multiple conditions. The conditions to receive up to 3.33% cashback on the UOB One card, in my opinion, are a little less complicated.
Cardholders can earn up to 3.33% cashback on a wide range of spending categories like 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 $50, $100 or $200 at the end of each quarter.
How to receive up to 3.33% cashback:
- Mandatory: Make at least 5 transactions per statement month
- Get $50 cashback when you spend at least $500 per month, for 3 consecutive statement months in a qualifying quarter
- Get $100 cashback when you spend at least $1,000 per month, for 3 consecutive statement months in a qualifying quarter
- Get $200 cashback when you spend at least $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 $500, $1,000 or $2,000 for 3 consecutive months in a qualifying quarter. For that reason, cardholders who spend $900/month in that same period would fall under the $500 band, and be rewarded with just $50 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 for spendings at selected merchants like Cold Storage, Giant, Grab, SimplyGo and Shopee.
💸 Annual fee
$196.20
(First year waived)
💼 Income requirement
$30,000/year
🤑 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.
Maybank Platinum Visa
Earn up to 3.33% cashback on almost everything
More information on the
Most specialized cashback cards (over 2% cashback) require cardholders to meet multiple conditions. The conditions to receive up to 3.33% cashback on the Maybank Platinum Visa card, in my opinion, are a little less complicated.
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, utilities, phone bills, and even insurance.
Why “up to” 3.33%? Upon meeting certain conditions, cardholders get a fixed cashback amount of $30, $100 or $200 at the end of each quarter.
How to receive up to 3.33% cashback:
- Get $30 cashback when you spend at least $300 per month, for 3 consecutive calendar months in a calendar quarter
- Get $100 cashback when you spend at least $1,000 per month, for 3 consecutive calendar months in a calendar quarter
- Get $200 cashback when you spend at least $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 $300, $1,000 or $2,000 for 3 consecutive months in a calendar quarter. For that reason, cardholders who spend $900/month in that same period would fall under the $300 band, and be rewarded with just $30 cashback from $2,700 worth of spending (equivalent to 1.1%).
💸 Quarterly fee
$21.80
(First 3 years waived, subsequent quarters waived if card is charged at least once every 3 months)
💼 Income requirement
$30,000/year
🤑 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.
DBS yuu
Get up to 18% cash rebate or 10 mpd at selected merchants
More information on the
This card gives you uncapped earn rate of 10 yuu points per dollar at participating yuu merchants, with no minimum spending required. 10 yuu points can be redeemed for 5% cash rebate or 2.78 KrisFlyer miles per dollar.
Spend at least $600 per calendar month to get a bonus 26 yuu points per dollar at those merchants (total 36 yuu points = 18% rebate = 10 mpd), capped at $78 per month ($600 spending). Yes, that’s right, the only way that you’ll get 18% cash rebate or 10 mpd is if you spend exactly $600 at participating merchants every month.
So, should you redeem yuu points for KrisFlyer miles?
By ignoring the opportunity to earn 18% rebate, you’d be “paying” about 1.8 cents per KrisFlyer mile in opportunity cost; and that’s pricey.
Tip: Redeem yuu points for excluded Giant or Cold Storage items like magazines, infant milk formula, sushi or tobacco products to lower/eliminate your opportunity cost.
If you’re looking to top-up small amounts of KrisFlyer miles for an award redemption, this is a great way to do so, as conversions are free and instantaneous.
- Giant
- Cold Storage
- Gojek
- 7-Eleven
- Foodpanda
- Singtel
- Guardian
- Breadtalk
Cardholders can also earn 35 yuu points per dollar when purchasing Dairy Farm supermarket vouchers from Giant or Cold Storage outlets, and when paying Singtel bills at Singtel kiosks in Singtel shops.
Get just 0.5% cash rebate at other merchants.
💸 Annual fee
$196.20
(First year waived)
💼 Income requirement
$30,000/year
🤑 Foreign currency fee
3.25%
🫱🫲 Transfer partners
KrisFlyer only
💯 Conversion ratio
1 yuu point = 0.5% cash rebate
3.6 yuu points = 1 KrisFlyer mile
🧮 Transfer block
200 points (56 miles)
💲Transfer fee
Free
❓How/When points are credited
Earn 1 yuu point per $1 dollar spent, plus 9 bonus yuu points for eligible online transactions (equivalent to 5% cash rebate in total). Earn a further 26 yuu points per $1 at yuu partners if you spend at least $600 in a calendar month. Base points are credited within 14 days, while bonus points are credited within 60 days.