AMEX Cards offering up to 50% cashback on Public Transportation

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: Not stated (usually S$30,000)
Annual fee: S$174.40 (first year waived; request waiver every year)

 Get 22% fuel savings at SPC till 31 Dec 2026, up to S$1,690
 Get uncapped 1.5% cashback on almost everything, including commonly-excluded transactions (e.g. utilities, school fees, healthcare)
 No minimum spending

Low earn rate (spend with better cashback cards)
AMEX cards have lower merchant acceptance than Visa/Mastercard
3.25% foreign transaction fee

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American Express True Cashback Card

Suitesmile rating:

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✍️ Short summary
This card gives you unlimited 1.5% cashback on almost everything! This includes spending categories that are usually excluded from earning cashback/miles on other cards like Utilities, Insurance, Hospital and School fees.

Cardholders can also get a 22% discount at SPC fuel stations per year. The Registration is required via the AMEX mobile app.

Here’s a quick breakdown of how the SPC discount is calculated:

• 10% instant discount as an SPC&U member
• 5% instant discount for using an AMEX card
• 7.1% statement credit from the amount that was charged to card
• 1.5% statement credit from the amount that was charged to card

As compared to Visa and Mastercard, it can be harder to find merchants that accept AMEX cards outside the United States.

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💸 Annual fee
S$174.40
(First year waived)

💼 Income requirement
Not stated (usually S$30,000)

🤑 Foreign currency fee
3.25%

❓How/When cashback is credited
Cashback amount is credited into the card by the end of the statement 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$45,000Annual fee: S$196.20 (first year waived; request waiver every year)

 Get 18% cash rebate or 10 mpd at participating yuu merchants ^{Participating yuu merchants include useful ones like:
• Giant
• Cold Storage
• Gojek
• Foodpanda
• Guardian
• SimplyGo (Singapore public buses, MRT, LRT)
• 7-Eleven (Visa only)}, up to S$822.86 per calendar month

Minimum card spend of S$800 per calendar month required for bonus cashback
Transact at a minimum of 4 participating yuu merchants per calendar month for bonus cashback
Converting yuu points for KrisFlyer miles (10 mpd) comes with a huge opportunity cost (18% cash rebate)
0.5% cash rebate or 0.28 mpd on non-bonus spending
Only 1 useful miles transfer partner (KrisFlyer)
3.25% foreign transaction fee

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DBS yuu Card

Suitesmile rating:

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✍️ Short summary
This card gives you a strong earn rate of 36 yuu points per dollar when spending between S$800 and S$822.86 at participating yuu merchants in a calendar month. To receive the bonus yuu points, cardholders are also required to spend at a minimum of 4 participating yuu merchants every calendar month.

What are yuu points worth?
36 yuu points can be redeemed for an effective earn rate of 18% cash rebate or 10 miles per dollar.

What if you spend more than S$822.86 at participating yuu merchants?
Once you’ve accumulated more than the 28,800 monthly cap on bonus yuu points, you’ll continue to earn just 1 yuu point per dollar (0.5% cash rebate).

Should you redeem yuu points for KrisFlyer miles?
By ignoring the opportunity to receive 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.

Here are the participating yuu merchants:

• Giant
• Cold Storage
• Gojek
• 7-Eleven (Visa only)
• Foodpanda
• Singtel
• Guardian
• SimplyGo (Singapore public buses, MRT, LRT)
• Charge+ EV charging (Visa only)
• CHAGEE (via CHAGEE app only)

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💸 Annual fee
S$196.20
(First year waived, always request for a waiver 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$45,000/year (Foreigner)

🤑 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
Base reward: 1 yuu point (uncapped)
Bonus reward (no min. spend): 9 yuu points (capped at 28,800 points)
Bonus reward (S$800 min. spend): 26 yuu points (capped at 28,800 points)
Total reward: 36 yuu points

Base points are credited instantly while bonus points are credited within 60 days from the transaction date.

📜 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)

 Get 1.7% cashback on almost everything
 Get 0.3% cashback on commonly-excluded transactions (e.g. Grab wallet tops-ups, utilities, healthcare)
 No minimum spending
 Uncapped earn rates

Low earn rate (spend with better cashback cards)
AMEX cards have lower merchant acceptance than Visa/Mastercard
3.25% foreign transaction fee

📄 Quick review

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UOB Absolute Cashback Card

Suitesmile rating:

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✍️ Short summary
This card gives you unlimited 1.7% cashback on almost everything.

Earn just 0.3% cashback on certain spending categories like Healthcare, School Fees, Utilities and GrabPay e-wallet top-ups.

As compared to Visa and Mastercard, it can be harder to find merchants that accept AMEX cards outside the United States.

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💸 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%

❓How/When cashback is credited
Cashback amount is credited into the card by the end of the following statement 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$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 (Visa only)^{The Visa variant of this card gets 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

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$261.60 (first year waived; request waiver every year)

 Get 4 free airport lounge visits per calendar year ^{Get 4 free airport lounge visits worldwide via Priority Pass. Entitlement can be used for lounges, restaurants and spas, for the principal cardholder only. Supplementary cardholders do not have any airport lounge entitlement.}
 No minimum spending
 Uncapped earn rates

Low earn rates (spend with 4 mpd cards instead):
• 1.4 mpd on local spending
• 2.4 – 3 mpd on foreign currency spending ^{3 mpd on MYR, IDR, THB and VND spending; 2.4 mpd on other currencies.} S$5 earning block ^{Transactions under S$5 earn zero miles, except SimplyGo.}
2-year miles expiry term
Only 2 useful miles transfer partners
3.25% foreign transaction fee