Great Deal: Fly Multi-City Cebu-Europe-Istanbul-Singapore on Turkish Airlines from just S$419 nett

Card rating ^{Suitesmile's overall rating of this card (out of 5), all things considered. This includes how it compares against alternative miles/cashback cards, its annual fee, and how easy (or hard) it is to achieve the advertised benefits.}:
Ease of use ^{A rating (out of 5 stars) of how easy it is to achieve the maximum earn rate and other benefits advertised by this card.}:
Minimum annual income:• S’porean/PR: S$30,000
• Foreigner: S$90,000Annual fee: S$196.20 (first year waived; always comes with 10,000 miles, but request waiver every year ^{Paying S$196.20 for 10,000 miles is not worth it, unless if you need the miles urgently.})

 Get 2 free airport lounge visits per card membership year ^{Get 2 free airport lounge visits worldwide via Priority Pass. Entitlement can be used for lounges, restaurants and spas, for the principal cardholder and guest. Supplementary cardholders do not have any airport lounge entitlement.}
 Earn 3 mpd on groceries, food deliveries and ride-hailing, up to S$1,000 per statement month
 No minimum spending
 Miles don’t expire

⚠️ Low earn rates on non-bonus spending (spend with 4 mpd cards instead):
• 1.2 mpd on local spending
• 2 mpd on foreign currency spending⚠️ Only 2 useful miles transfer partners
⚠️ 3.5% foreign transaction fee

📄 Quick review

More information on the

Standard Chartered Journey Card

Suitesmile rating:

---

✍️ Short summary
Cardholders can earn 3 miles per dollar on groceries, food deliveries and ride-hailing, up to S$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
S$196.20
(First year waived, get 10,000 miles with subsequent annual fee payments)

💼 Income requirement
S’porean/PR: S$30,000/year,
Foreigner: S$90,000/year

🤑 Foreign currency fee
3.5%

🛋️ Airport lounge access
2 free lounge visits per card membership year
(via Priority Pass)

⏰ 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
S$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.

📜 Terms & conditions

🎁 Sign-up promo

Card rating ^{Suitesmile's overall rating of this card (out of 5), all things considered. This includes how it compares against alternative miles/cashback cards, its annual fee, and how easy (or hard) it is to achieve the advertised benefits.}:
Ease of use ^{A rating (out of 5 stars) of how easy it is to achieve the maximum earn rate and other benefits advertised by this card.}:
Minimum annual income:• S’porean/PR: S$15,000 – S$30,000 ^{S$30,000/year if aged 55 and below; S$15,000/year if aged 56 and above.}
• Foreigner: S$40,000Annual fee: S$196.20 (first year waived; request waiver every year)

 Earn 4 mpd on 1 chosen bonus category, up to S$1,000 per calendar month ^{Choose 1 bonus category from:
1) Beauty & Wellness
2) Fashion
3) Dining
4) Family
5) Travel
6) Transport
7) Entertainment}
 No minimum spending

⚠️ 0.4 mpd earn rate on non-bonus spending
⚠️ Bonus categories are MCC-sensitive
⚠️ 2-year miles expiry term
⚠️ Only 2 useful miles transfer partners
⚠️ 3.25% foreign transaction fee

📄 Quick review

More information on the

UOB Lady’s Card

Suitesmile rating:

---

✍️ Short summary
This card, which is also available to men, gives you a great earn rate of 4 miles per dollar on 1 pre-selected bonus category, up to S$1,000 per calendar month. No minimum spending is required.

Cardholders will only earn 0.4 mpd on other categories and spending above S$1,000 per calendar month.

Cardholders can choose/change a preferred bonus category every quarter.

The 7 bonus categories available are:

1. Beauty & Wellness (e.g. cosmetic stores, hair salons, spas)
2. Fashion (e.g. clothing, shoes stores)
3. Dining (e.g. restaurants, food delivery)
4. Family (e.g. supermarkets, children clothing stores)
5. Travel (e.g. flights, hotels, duty-free stores)
6. Transport (e.g. public transport, taxi, petrol)
7. Entertainment (e.g. bars, night clubs, cinemas)

Cardholders may check existing selected bonus category by calling UOB.

There are 3 main versions of the UOB Lady’s Card (UOB Lady’s Card, UOB Lady’s Solitaire Card, UOB Lady’s Solitaire Metal Card). Each UOB customer can only hold one at a time.

Before converting UOB UNI$ to miles for the first time, you’d need to enrol in the UOB Rewards Frequent Flyer Conversion programme. It’s best to do this early to avoid delays on your future miles conversions.

---

💸 Annual fee
S$196.20
(First year waived, request waiver every year after that)

💼 Income requirement
S$30,000/year (S’porean/PR aged 55 and below),
S$15,000/year (S’porean/PR aged 56 and above),
S$40,000/year (Foreigner)

🤑 Foreign currency fee
3.25%

⏰ Miles 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
S$27 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 S$5 spent, plus 9 bonus UNI$ 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.

📜 Terms & conditions

📜 Chosen Category MCCs and FAQs

🎁 Sign-up promo

Card rating ^{Suitesmile's overall rating of this card (out of 5), all things considered. This includes how it compares against alternative miles/cashback cards, its annual fee, and how easy (or hard) it is to achieve the advertised benefits.}:
Ease of use ^{A rating (out of 5 stars) of how easy it is to achieve the maximum earn rate and other benefits advertised by this card.}:
Minimum annual income:• S’porean/PR: S$30,000 – S$65,000 ^{Income requirement depends on your Total Relationship Balance (TRB) with HSBC. S$30,000/year if TRB is S$50,000 and above; S$65,000/year if TRB is below S$50,000.}
• Foreigner: S$65,000Annual fee: No annual fee, ever

 Earn 4 mpd on selected contactless and online spending, up to S$1,000 per calendar month ^{Earn 4 mpd on contactless and online transactions, on a wide range of spending categories like retail shopping (online and in-person), dining, flights (direct with airlines only), hotels (excl. online travel agencies like Agoda, Trip.com etc.), food delivery and ride-hailing.}
 Boost bonus earn rate to 8 mpd (up to S$1,200 per calendar month) with a minimum deposit of S$50,000 ^{HSBC customers with a minimum deposit of S$50,000 in the HSBC Everyday Global Account can enjoy an earn rate of 8 mpd (instead of 4 mpd) on selected contactless and online spending.}
 No minimum spending
 3-year miles expiry term
 7 useful miles transfer partners
 Free miles transfers to frequent flyer programs
 Instant miles transfers
 No annual fee, ever

⚠️ 0.4 mpd earn rate on non-bonus spending
⚠️ Poor transfer ratio to KrisFlyer ^{Due to inferior transfer ratio, if/when the points earned on this card are converted to KrisFlyer miles, the bonus earn rate would effectively be 3.3 mpd, instead of 4 mpd.}
⚠️ Bonus categories are MCC-sensitive
⚠️ 3.25% foreign transaction fee

Card rating ^{Suitesmile's overall rating of this card (out of 5), all things considered. This includes how it compares against alternative miles/cashback cards, its annual fee, and how easy (or hard) it is to achieve the advertised benefits.}:
Ease of use ^{A rating (out of 5 stars) of how easy it is to achieve the maximum earn rate and other benefits advertised by this card.}:
Minimum annual income: S$80,000 (not strict)
Annual fee: S$196.20 (first year waived; request waiver every year)

 Earn 4 mpd on online spending, up to S$1,000 per calendar month
 No minimum spending

⚠️ 0.4 mpd earn rate on non-bonus spending
⚠️ 1-year miles expiry term
⚠️ Only 3 useful miles transfer partners
⚠️ 3.25% foreign transaction fee

📄 Quick review

More information on the

DBS Woman’s World Card

Suitesmile rating:

---

✍️ Short summary
This card, which is also available to men, gives you a strong earn rate of 4 miles per dollar on online spending, up to S$1,000 per calendar month, with no minimum spending requirement. This covers a wide range of spending categories like online shopping, flights, hotels, food delivery and ride-hailing.

The biggest drawback of this card is its short points expiry term of just 1 year. Cardholders should set yearly reminders to transfer out the points before they expire.

---

💸 Annual fee
S$196.20
(First year waived, always request for a waiver after that)

💼 Income requirement
S$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 S$80k, before uploading your actual proof of income that is under S$80k.)

🤑 Foreign currency fee
3.25%

⏰ Miles 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
S$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 S$5 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.

📜 Terms & conditions

🎁 Sign-up promo

Card rating ^{Suitesmile's overall rating of this card (out of 5), all things considered. This includes how it compares against alternative miles/cashback cards, its annual fee, and how easy (or hard) it is to achieve the advertised benefits.}:
Ease of use ^{A rating (out of 5 stars) of how easy it is to achieve the maximum earn rate and other benefits advertised by this card.}:
Minimum annual income:• S’porean/PR: S$15,000 – S$30,000 ^{S$30,000/year if aged 55 and below; S$15,000/year if aged 56 and above.}
• Foreigner: S$40,000Annual fee: S$218 (first year waived; request waiver every year)

 Earn 4 mpd on two bonus categories, up to S$1,200 per statement month each (total S$2,400):1) Overseas (incl. online in foreign currencies)
2) Local Contactless (e.g. PayWave, Google Pay, Apple Pay), SimplyGo (Public Transport), Fuel

⚠️ Minimum category spend (not card spend) of S$1,000 per statement month required for bonus earn rate
⚠️ 0.4 mpd earn rate on non-bonus spending
⚠️ 2-year miles expiry term
⚠️ Only 2 useful miles transfer partners
⚠️ 3.25% foreign transaction fee

📄 Quick review

More information on the

UOB Visa Signature Card

Suitesmile rating:

---

✍️ Short summary
This card gives you a strong earn rate of 4 miles per dollar on two categories:

1. Overseas (incl. online in foreign currencies)
2. Local Contactless (e.g. PayWave, Google Pay, Apple Pay), SimplyGo (bus/mrt), Fuel (excl. SPC, Shell)

To receive the bonus earn rate, a minimum spending of S$1,000 per statement month is required on that particular category, with a category cap of S$1,200 in the same period. You may also enjoy the bonus earn rate on just 1 category in any statement period.

These categories offers broad coverage on spendings like shopping (in-person and online), foreign currency (in-person and online), dining, groceries, flights, hotels, food delivery and ride-hailing.

However, the huge catch is the minimum spending amount that has to be met on that particular bonus category (not general card spend like other cards). For example, if you want to earn 4 mpd on foreign currency spending, you have to spend at least S$1,000 per statement month on foreign currencies.

All other spending earn just 0.4 mpd (uncapped).

Before converting UOB UNI$ to miles for the first time, you’d need to enrol in the UOB Rewards Frequent Flyer Conversion programme. It’s best to do this early to avoid delays on your future miles conversions.

---

💸 Annual fee
S$218
(First year waived, request waiver every year after that)

💼 Income requirement
S$30,000/year (S’porean/PR aged 55 and below),
S$15,000/year (S’porean/PR aged 56 and above),
S$40,000/year (Foreigner)

🤑 Foreign currency fee
3.25%

⏰ Miles 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
S$27 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 S$5 spent, plus 9 bonus UNI$ for eligible online and contactless transactions (equivalent to 4 mpd in total). Base and bonus points are credited immediately when the transaction is posted.

📜 Terms & conditions

🎁 Sign-up promo

Card rating ^{Suitesmile's overall rating of this card (out of 5), all things considered. This includes how it compares against alternative miles/cashback cards, its annual fee, and how easy (or hard) it is to achieve the advertised benefits.}:
Ease of use ^{A rating (out of 5 stars) of how easy it is to achieve the maximum earn rate and other benefits advertised by this card.}:
Minimum annual income:• S’porean/PR: S$15,000 – S$30,000 ^{S$30,000/year if aged 55 and below; S$15,000/year if aged 56 and above.}
• Foreigner: S$45,000Annual fee: S$196.20 (first year waived; always comes with 10,000 miles, but request waiver every year ^{Paying S$196.20 for 10,000 miles is not worth it, unless if you need the miles urgently.})

 Get 2 free airport lounge visits per card membership year ^{Get 2 free airport lounge visits worldwide via Priority Pass. Entitlement can be used for lounges, restaurants and spas, for the principal cardholder and guest. Supplementary cardholders do not have any airport lounge entitlement.}
 No minimum spending
 Uncapped earn rates
 Miles don’t expire

⚠️ Low earn rates (spend with 4 mpd cards instead):
• 1.3 mpd on local spending
• 2.2 mpd on foreign currency spending⚠️ Only 3 useful miles transfer partners
⚠️ 3.25% foreign transaction fee

📄 Quick review

More information on the

DBS Altitude Card

Suitesmile rating:

---

✍️ Short summary
This card gives you an earn rate of 1.3 miles per dollar on SGD spending, and 2.2 miles per dollar on foreign currency transactions.

There are 2 variants of the DBS Altitude Card (Visa and AMEX). Both offer similar earn rates and benefits but only the Visa version comes with 2 free airport lounge visits per card membership year.

Miles earned on this card do not expire.

---

💸 Annual fee
S$196.20
(First year waived, always request for a waiver after that)
Note: Annual fee payments come with 10,000 miles (not worth it)

💼 Income requirement
S$30,000/year (S’porean/PR aged 55 and below),
S$15,000/year (S’porean/PR aged 56 and above),
S$45,000/year (Foreigner)

🤑 Foreign currency fee
3.25%

🛋️ Airport lounge access
2 free lounge visits per card membership year
(Visa version only, via Priority Pass)

⏰ Points expiry
Points earned from this card do not expire

🫱‍🫲 Transfer partners
KrisFlyer, Asia Miles, Qantas Frequent Flyer

💯 Transfer ratio
1 point = 2 miles

🧮 Transfer block
5,000 points (10,000 miles)

💲Transfer fee
S$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
Base points are credited immediately when the transaction is posted.

📜 Terms & conditions

🎁 Sign-up promo