Last updated on 31 January 2024
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What are the Best Cards in Singapore for Online Spending?
Additional notes:
- Amaze + Citi Rewards: Non-travel spending only. Link your Citi Rewards card to Amaze and use your Amaze card to pay
- UOB Visa Signature & YouTrip: Foreign currency only
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!
Amaze
Turn offline transactions online and minimize foreign transaction fees
🎁 Sign-up bonusGet 225 InstaPoints (worth $2.25) when you sign up as a new cardholder.
More information on the
Amaze is an innovative Debit Card that does not require topping up of an e-wallet to reap great benefits. In fact, this card actually makes some credit cards better!
By linking a credit card to Amaze, cardholders can save about 1.5% in foreign currency fees, after considering the InstaPoints that can be earned (see below).
Key points to note about the card:
- Link up to 5 Mastercards in the Instarem mobile app
- Choose 1 of those cards before your next Amaze transaction
- All Amaze transactions will be charged in SGD, directly to the linked card
- All Amaze transactions will be seen as online transactions by the linked card
- All Amaze transactions will retain the actual Merchant Category Code (MCC) and will be seen by the linked card
- Get 0.5 InstaPoint per SGD (equivalent to 0.5% cashback) on foreign currency spending (min. S$10, max. S$1,000 per transaction)
- DBS/POSB cards do not award miles/points for Amaze transactions
- Avoid Dynamic Currency Conversion (DCC) fees (if any)
- From 1 Apr 2024, when Amaze is linked to a card, all SGD spending in excess of S$1,000 per month will incur a 1% fee.
Pro tip: Link the Citi Rewards card to this card and use it to earn 4 miles per dollar on general spending categories like dining, groceries and online/offline shopping (except flights/hotels). This pairing turns all your offline transactions “online” (to earn 4 mpd) and lowers your foreign currency charges!
🔗 Great cards that can be linked to Amaze
Citi PremierMiles (1.2 mpd)
HSBC TravelOne (1.2 mpd)
Citi Prestige (1.3 mpd)
Citi Rewards (4 mpd)
OCBC Titanium Rewards (4 mpd)
UOB Lady’s (6 mpd)
💸 Annual fee
No annual fee, ever
💼 Income requirement
No income requirement
🤑 Foreign currency fee
No foreign currency fee. However, Amaze’s foreign exchange spread currently stands at around 2% more than spot rates. Cardholders can get 0.5% cashback in the form of InstaPoints when transacting in a foreign currency, for a total FX loss of about 1.5%. This makes the card better than most credit cards that charge over 3% in FX fees.
⏰ Points expiry
1 year from transaction
💯 Conversion ratio
2,000 InstaPoints = $20
❓ How/When points are credited
Get 0.5 InstaPoint per S$1 of foreign currency spending (min. S$10, max S$1,000 per transaction). InstaPoints are credited immediately upon spending.
Citi Rewards
Earn 4 mpd on online spending, except travel-related
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.
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 Amaze and use the Amaze card to also earn 4 mpd on general spending categories like online/offline shopping, dining and groceries! This pairing turns all your offline transaction “online” (to earn 4 mpd) and lowers your foreign currency charges!
💸 Annual fee
$196.20
(First year waived)
💼 Income requirement
$30,000/year
🤑 Foreign currency fee
3.25%
(Avoid this fee by linking this card to Amaze!)
⏰ Points expiry
Every 5 years from card opening date
🫱🫲 Transfer partners
Krisflyer, Asia Miles, Miles&Smiles, Privilege Club and more!
💯 Transfer ratio
2.5 points = 1 mile
🧮 Transfer block
25,000 points (10,000 miles)
💲 Transfer fee
$27 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.
HSBC Revolution
Earn 4 mpd or 2.5% cashback on selected online/contactless spending
More information on the
This card gives you a strong earn rate of 4 miles per dollar on online and contactless spending (in foreign currency too!) on certain spending categories like retail shopping, flight tickets, ride-hailing and dining (excl. fast food), 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.
This is a great fuss-free card that offers a great earn rate on key spending categories for most people, without any annual fee to worry about.
There’s a little quirk though. To transfer HSBC points to Frequent Flyer Programs, cardholders need to enroll in HSBC’s Mileage Programme, which costs $43.20 annually. Upon enrollment, cardholders can make unlimited points transfers, at no additional cost. (FYI: Most other cards charge about $25 fee per transfer)
Not into Miles or travel-hacking? Redeem your points for 2.5% cashback instead, on the aforementioned spending categories!
Cardholders also get complimentary access to the ENTERTAINER with HSBC app, where there are over a thousand 1-for-1 deals on dining, entertainment and hotels.
💸 Annual fee
No annual fee, ever
💼 Income requirement
$30,000/year
🤑 Foreign currency fee
3.25%
⏰ Points expiry
3 years from transaction
(37 to 38 months to be exact)
🫱🫲 Transfer partners
KrisFlyer and Asia Miles
💯 Transfer ratio
2.5 points = 1 mile
🧮 Transfer block
25,000 points (10,000 miles)
💲Transfer fee
$43.20 annually
(Unlimited transfers)
🤗 Points pooling
Points from this card cannot be combined with those from other HSBC 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 eligible online/contactless spending (equivalent to 4 mpd in total). Base points are credited immediately when the transaction is posted, while bonus points are credited by the end of the following calendar month.
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 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.
UOB Preferred Platinum
Earn 4 mpd on most online and mobile contactless spending
More information on the
This card gives you a strong earn rate of 4 miles per dollar on online and mobile contactless spending (in foreign currency too!) on key spending categories like dining, groceries, flights, hotels, retail shopping, food delivery and ride-hailing, up to $1,110 per statement month.
Take note that cardholders will only earn 0.4 mpd on other categories and spending above $1,110 per statement 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.
Citi SMRT
Get 5% cashback on online spending, groceries and transportation
More information on the
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).
OCBC Rewards
Earn 4 mpd on selected online and offline shopping
More information on the
This card gives you a strong earn rate of 4 miles per dollar at specific online/offline shopping merchants (e.g. clothing/shoes, toys, duty free, luggage etc.), 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.
However, at the moment, OCBC only has 2 transfer partners with decent transfer ratios; KrisFlyer and Flying Blue. As flexibility is very important in the Miles Game, I recommend maximizing the limits of other 4/6 mpd cards first, before using this one.
💸 Annual fee
$196.20
(First 2 years waived)
💼 Income requirement
$30,000/year
🤑 Foreign currency fee
3.25%
(Avoid this fee by linking this card to Amaze!)
⏰ Points expiry
2 years from transaction
🫱🫲 Transfer partners
KrisFlyer, Flying Blue
💯 Transfer ratio
2.5 OCBC$ = 1 mile
🧮 Transfer block
25,000 OCBC$ (10,000 miles)
💲Transfer fee
$25 per transfer
🤗 Points pooling
OCBC$ from this card cannot be combined with those from other OCBC cards.
❓How/When points are credited
Earn 5 base point per $5 dollar spent, plus 45 bonus points for eligible shopping transactions (equivalent to 4 mpd in total). Base points are credited immediately when the transaction is posted, while bonus points are credited by the end of the following calendar month.
UOB EVOL
Get up to 6.67% cashback on online and contactless spending
More information on the
This card gives you up to 6.67% cashback on online & contactless spending, if you spend at least $600 on the card in a statement month.
Contactless spending covers a huge range of categories like Dining, Groceries, Hair Salon and other retail shopping.
Although the bank advertises “8% cashback”, the cashback amount is capped at $20 per category ($250 worth of spending each, for online, contactless and others). However, “other” spending only earns 0.3% cashback and it is not recommended to use this card for it.
By spending $300 per category (online & contactless) to meet the minimum spend of $600, your cashback earn rate would effectively be 6.67%, if you spend exactly $300 per category.
Pro tip: Can’t meet the $600 monthly spending requirement? You can purchase supermarket vouchers in-store (with contactless payment) to make up the difference. These voucher purchases would be eligible for 6.67% cashback and can be used for grocery shopping in future.
💸 Annual fee
$196.20
(First year waived. Subsequent years waived if you make at least 3 transactions of any amount every month.)
💼 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 following statement month.
UOB Visa Signature
Earn 4 mpd on foreign currency and/or 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.
YouTrip
Get great foreign exchange rates and free overseas ATM cash withdrawals
🎁 Sign-up bonusGet $5 credited to your wallet, after your first top up.
More information on the
YouTrip is a Debit Card and your spending limit is tied to the amount of money that you have in your YouTrip wallet.
Top-up your YouTrip wallet and withdraw cash from overseas ATMs for free, up to S$400 per calendar month. The exchange rates are usually better than what money changers are offering!
Take note that you will be charged a 2% fee for overseas cash withdrawals, upon exceeding the S$400 monthly limit.
Wallet top-ups made with Visa credit cards will incur a 1.5% fee.
💸 Annual fee
No annual fee, ever
💼 Income requirement
No income requirement
🤑 Foreign currency fee
No foreign currency fee
KrisFlyer UOB
Earn 3 mpd on dining, online shopping and selected travel spending
More information on the
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).