Last updated on 26 August 2024
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What are the Best Cards in Singapore for Transportation (Grab, Gojek, MRT, Public Buses etc.)?
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
| DBS yuu | 18% cashback • Min. spend $600 per calendar month • Up to $600 per calendar month ✅ Gojek ❌ Public Transport |
| Citi Rewards | 4 mpd • Up to $1,000 per statement month ✅ Ride-Hailing ❌ Public Transport |
| HSBC Revolution | 4 mpd • Up to $1,000 per calendar month • No annual fee, ever ✅ Ride-Hailing ❌ Public Transport |
| DBS Woman’s World | 4 mpd • Up to $1,500 per calendar month ✅ Ride-Hailing ❌ Public Transport |
| SC Smart | 6% cashback • Up to $818 per statement month • No annual fee, ever ❌ Ride-Hailing ✅ Public Transport |
| UOB Lady’s | 4 mpd • Transport category must be pre-selected • Up to $1,000 per calendar month ✅ Ride-Hailing ✅ Public Transport |
| Citi Cash Back | 8% cashback • Min. spend $800 per statement month • Up to $1,000 per statement month ✅ Ride-Hailing ❌ Public Transport |
| Citi SMRT | 5% cashback • Min. spend $500 per statement month • Up to $12,000 per card membership year ✅ Ride-Hailing ✅ Public Transport |
| KrisFlyer UOB | 3 mpd • Min. spend $800 per card membership year with Singapore Airlines Group ✅ Ride-Hailing ✅ Public Transport |
| SC Journey | 3 mpd • Up to $1,000 per statement month ✅ Ride-Hailing ❌ Public Transport |
💡Click on the + Card Summary buttons below to read mini reviews of each card.
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?
- Short answer: By ignoring the opportunity to earn 18% rebate, you’d be “paying” about 1.5 cents per KrisFlyer mile (not cheap).
- Long answer: On the surface, choosing 10 mpd over 18% cash rebate seems like you’re “paying” 1.8 cents per mile in opportunity cost. However, yuu points can only be redeemed (as cash rebates) to offset purchases at yuu merchants. So, when redeeming yuu points for rebate on a particular purchase, you will not earn any points on that amount, hence, one’s technically forgoing the opportunity to earn 10 mpd on it. Factoring in this opportunity cost, you’re effectively “paying” about 1.5 cents per KrisFlyer mile (not cheap).
However, 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 instant.
- Giant
- Cold Storage
- Gojek
- 7-Eleven
- foodpanda
- Singtel
- Guardian
- Breadtalk
- Food Republic (till 26 Oct 2024)
- Food Junction (till 26 Oct 2024)
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.
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.
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 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 transactions “online” (to earn 4 mpd on some cards) and lowers your foreign currency charges.
💸 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, Miles&Smiles, Privilege 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.
HSBC Revolution
Earn 4 mpd on selected online spending
More information on the
This card gives you a strong earn rate of 4 miles per dollar on selected online spending categories like:
- Online Shopping
- Flight Tickets (till 31 Dec 2024)
- Ride-Hailing
The 4 mpd earn rate can be enjoyed for eligible spendings of up to $1,000 per calendar month (no minimum spend, foreign currency counts).
Take note that cardholders will only earn 0.4 mpd on other categories and spending above $1,000 per calendar month.
This is a good fuss-free card that offers a great earn rate on online spending, without any annual fee to worry about, and free points conversions (till 31 Jan 2025).
Having many transfer partners gives you fantastic flexibility. For this reason, I recommend using this card over other cards with similar earn rates.
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, 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
Free (till 31 jan 2025)
🤗 Points pooling
Points from this card can be combined with those from other HSBC cards and transferred out together at once.
❓How/When points are credited
Earn 1 base point per dollar spent, plus 9 bonus points for eligible online 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.
Standard Chartered Smart
Get 6% cashback (or 5.6 mpd) on public transport, fast food, streaming services
More information on the
This card gives you 6% cashback (or 5.6 miles per dollar) on public transport (via SimplyGo) and at the following merchants:
- McDonald’s
- KFC
- Burger King
- Ya Kun Kaya Toast
- Toast Box
- Netflix
- Spotify
- YouTube
- Disney+
Receive this bonus earn rate for spendings up to $818 per statement month. All other transactions earn just 0.5% cashback (or 0.46 mpd).
For most people, these are low-spending categories; and because the card does not offer good earn rates on other categories, cardholders will most-likely struggle to earn worthwhile miles/points to transfer to frequent flyer programs.
Hence, if you are going to use this card, redeeming the points for 6% cashback is probably the better option. You’ll need a minimum of 3,200 points to redeem for $10 in cashback; that’s about S$167 worth of spending in the above bonus categories.
💸 Annual fee
No annual fee, ever
💼 Income requirement
$30,000/year
🤑 Foreign currency fee
3.5%
⏰ Points expiry
Every 3 years from card opening date
🫱🫲 Transfer partners
KrisFlyer only
💯 Transfer ratio
3.45 points = 1 mile
🧮 Transfer block
34,500 points (10,000 miles)
💲 Transfer fee
$27.25 per transfer
🤗 Points pooling
Points from this card can be combined with those from other Standard Chartered cards and transferred out together at once.
❓ How points are credited
Earn 1.6 base points and 17.6 bonus points at selected merchants.
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.
Citi Cash Back
Get up to 8% cashback on ride-hailing, 6% cashback on dining/groceries
More information on the
This card gives you a strong 8% cashback on Ride-Hailing and Petrol spending and 6% cashback on Groceries and Dining upon meeting the minimum spend of $800 per statement month. Cashback is capped at $80 per month.
Using this card for fuel purchases at Esso and Shell will get you 20.88% in savings, while using it at Sinopec can get you up to 31% in savings (depending on station discount).
Eligible purchases in foreign currency counts too! Remember to link the card to Amaze to lower foreign currency charges.
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 6% cashback and can be used for grocery shopping in future.
Get just 0.25% cashback for other spending categories.
💸 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!)
❓How/When cashback is credited
Cashback amount is credited into the card at the end of the statement month. Cardholders are required to redeem it via SMS.
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).
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 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%
⏰ 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).
Standard Chartered Journey
Earn 3 mpd on groceries and ride-hailing
More information on the
Cardholders can earn 3 miles per dollar on groceries, food deliveries and ride-hailing, up to $1,000 per statement month.
For other spending categories, this card gives you an uncapped earn rate of 1.2 miles per dollar on SGD spending and 2 miles per dollar on foreign currency spending.
Cardholders are also entitled to 2 free airport lounge visits (via Priority Pass) per card membership year.
💸 Annual fee
$196.20
(First year waived)
💼 Income requirement
$30,000/year
🤑 Foreign currency fee
3.5%
⏰ Points expiry
Points earned on this card never expire!
🫱🫲 Transfer partners
KrisFlyer and Asia Miles
💯 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 can be combined with those from other Standard Chartered cards and transferred out together at once.
❓ When points are credited
Base points are credited immediately when the transaction is posted.