Travelgoogoo Visa eSIM Promo: Free Unlimited Data in Thailand

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$120,000
Annual fee: No annual fee, ever

 Get 3 free airport lounge visits per card membership year ^{Get 3 free airport lounge visits worldwide via DragonPass. Entitlement can be used for lounges, restaurants and spas, for the principal cardholder only. Supplementary cardholders do not have any airport lounge entitlement.}
 Get 2% cashback on flights, hotels and foreign currency spending
 Uncapped earn rates

⚠️ Minimum card spend of S$2,000 per statement month required for bonus cashback
⚠️ Bonus category is MCC-sensitive
⚠️ Low earn rate on non-bonus spending (spend with better cashback cards)
⚠️ 3% foreign transaction fee

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CIMB Visa Infinite Card

Suitesmile rating:

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✍️ Short summary
This card gives you uncapped 1% cashback on almost everything.

Cardholders can also receive a bonus 1% cashback (total 2%) on travel-related (e.g. flights, hotels, travel agencies) and foreign currency spending when they spend at least S$2,000 per statement month.

Cardholders are also entitled to 3 free airport lounge visits (via DragonPass) per card membership year.

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💸 Annual fee
No annual fee, ever

💼 Income requirement
S$120,000/year

🤑 Foreign currency fee
3%

❓How/When cashback is credited
1% base cashback will be credited within the same statement month, while the +1% additional cashback will be credited by 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$120,000
Annual fee: S$599.50 (no waiver; always comes with 25,000 miles)

 Get 10 free airport lounge visits per card membership year ^{Get 10 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.}
 2 free nights in Asia Pacific via Accor+ Explorer membership ^{Pay 1 night, get 1 night free, up to 2 times.}
 No minimum spending
 Uncapped earn rates

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

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DBS Vantage Card

Suitesmile rating:

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✍️ Short summary
This card gives you an uncapped earn rate of 1.5 miles per dollar (or 1.5% cashback) on SGD spending and 2.2 miles per dollar (or 2.2% cashback) on foreign currency spending.

This is a great backup card, if you have exhausted all your specialized cards with better earn rates.

Cardholders receive complimentary Accor+ Explorer membership, which comes with 2 complimentary hotel nights in Asia Pacific (pay 1 night, get 1 night free, up to 2 times). Accor+ Explorer members also get up to 50% off hotel room rates via Red Hot Rooms and 30% off dining at participating restaurants across Asia Pacific.

Cardholders are also entitled to 10 free airport lounge visits (via Priority Pass) per card membership year.

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💸 Annual fee
S$599.50
(Strictly no waiver. Comes with 12,500 points, equivalent to 25,000 miles)

💼 Income requirement
S$120,000/year

🤑 Foreign currency fee
3.25%

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

⏰ Points expiry
3 years 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
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$120,000
Annual fee: S$654 (no waiver; always comes with 25,000 miles)

 Get 12 free airport lounge visits per card membership year ^{Get 12 free airport lounge visits worldwide via Dragonpass. Entitlement can be used for lounges, restaurants and spas, for the principal cardholder and guests. Supplementary cardholders share the same lounge entitlement as the principal cardholder.}
 No minimum spending
 Uncapped earn rates
 Free miles transfers to frequent flyer programs

⚠️ Low earn rates (spend with 4 mpd cards instead):
• 1.4 mpd on local spending
• 2.4 mpd on foreign currency spending⚠️ S$5 earning block ^{Transactions under S$5 earn zero miles.}
⚠️ 2-year miles expiry term
⚠️ Only 2 useful miles transfer partners
⚠️ 3.25% foreign transaction fee

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UOB Visa Infinite Metal Card

Suitesmile rating:

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✍️ Short summary
This card gives you uncapped earn rates of 1.4 miles per dollar on SGD spending and 2.4 per dollar on foreign currency spending.

Receive 12 free airport lounge visits per card membership year that you can share with accompanying guests.

This card is marketed as a “premium card”, with higher-than-usual annual fee of S$654 and minimum annual income of S$120,000. However, the benefits are, for the most part, worse than entry-level miles/travel cards.

With low earn rates, only 2 transfer partners, expiring miles and S$5 earning blocks, it is hardly useful for Singapore-based travellers as there are many stronger Miles cards in Singapore for spending. This card should only be treated as a backup, if you have exhausted all your 4 mpd cards with better earn rates.

Notably, the Citi Prestige Card, which comes with a similar annual fee, offers 32,000 miles every year with annual fee payment, while the UOB Infinite Metal Card offers just 25,000 miles.

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.

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💸 Annual fee
S$654
(No waiver)

💼 Income requirement
S$120,000/year

🤑 Foreign currency fee
3.25%

🛋️ Airport lounge access
12 free lounge visits (via Dragonpass)

⏰ 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
Free

🤗 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
Base UNI$ are credited immediately when the transactions are 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$120,000
Annual fee: S$498 (no waiver; always comes with 15,000 miles)

 Get unlimited airport lounge visits ^{Get unlimited free airport lounge visits worldwide via DragonPass. Entitlement can be used for lounges only (no restaurants and spas), for the principal cardholder only. Supplementary cardholders get 2 free visits per calendar year.}
 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⚠️ S$5 earning block ^{Transactions under S$5 earn zero miles.}
⚠️ Only 2 useful miles transfer partners
⚠️ 3.25% foreign transaction fee

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OCBC Voyage Card

Suitesmile rating:

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✍️ 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.

Principal cardholders can enjoy unlimited free airport lounge visits via DragonPass. However, this entitlement is limited to lounges only (no restaurants and spas) and cannot be used for guests (chargeable at US$32 per visit). Supplementary cardholders get 2 free lounge visits per calendar year.

Miles/points earned on this card do not expire.

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💸 Annual fee
S$498
(No waiver, always comes with 15,000 miles)

💼 Income requirement
S$120,000

🤑 Foreign currency fee
3.25%

⏰ Miles expiry
Miles earned from this card do not expire

🫱‍🫲 Transfer partners
KrisFlyer, Flying Blue

💯 Transfer ratio
2.5 Voyage miles = 1 mile

🧮 Transfer block
25,000 Voyage miles (10,000 miles)

💲Transfer fee
S$25 per transfer

🤗 Miles pooling
Voyage miles from this card cannot be combined with miles/points earned from other OCBC cards.

❓How/When miles are credited
Earn 6.5 Voyage miles per S$5 spent locally (equivalent to 1.3 mpd) and 11 Voyage miles per S$5 spent in foreign currencies (2.2 mpd). Voyage miles are credited immediately when the transactions are 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$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

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’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 two bonus categories, up to S$600 per calendar month each (total S$1,200):1) Mobile Contactless (e.g. Google Pay, Apple Pay)
2) Online Spending (selected MCCs only) No minimum spending

⚠️ 0.4 mpd earn rate on non-bonus spending
⚠️ Online Spending category is MCC-sensitive
⚠️ S$5 earning block ^{Transactions under S$5 earn zero miles.}
⚠️ 2-year miles expiry term
⚠️ Only 2 useful miles transfer partners
⚠️ 3.25% foreign transaction fee

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UOB Preferred Visa Card

Suitesmile rating:

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

1. Mobile Contactless (e.g. groceries, public transport, dining, shopping, hotels, overseas)
2. Online (e.g. online shopping, food delivery, ticketing)

No minimum spend is required to earn 4 mpd on both categories, but this bonus earn rate is capped at S$600 worth of spending per category, per calendar month (max. total of S$1,200).

The Mobile Contactless category covers a wide range of spending categories, while the Online Spending category is MCC-sensitive.

Take note that cardholders will only earn 0.4 mpd on other categories and spending above the monthly bonus cap.

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.

“Mobile Contactless” refers to Google Pay, Apple Pay, Samsung Pay and Fitbit Pay. Cardholders will not earn 4 mpd by using the physical card.

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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%

⏰ 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 mobile 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$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

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UOB Visa Signature Card

Suitesmile rating:

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✍️ 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.

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💸 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$30,000
• Foreigner: S$42,000Annual fee: S$196.20 (first 2 years waived; request waiver every year)

 Get 5% cashback on online spending, groceries, ride-hailing and public transport, up to S$12,000 per card membership year
 Great for big online purchases (e.g. tech gadgets, appliances, buying miles/points)

⚠️ Minimum card spend of S$500 per statement month required for bonus cashback
⚠️ 0.3% cashback on non-bonus spending
⚠️ Travel-related spending (e.g. flights, hotels) excluded from bonus cashback
⚠️ 3.25% foreign transaction fee

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Citi SMRT Card

Suitesmile rating:

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✍️ Short summary
This card gives you 5% cashback on Online (except travel-related), Groceries, Ride-hailing and Public Transport spending upon meeting the minimum spend of S$500 per statement month.

Cashback is capped at S$600 per card membership year. This annual limit gives you the opportunity to get 5% cashback on S$12,000 worth of eligible spending, making this card fantastic for large purchases!

Get just 0.3% cashback for all other spending categories.

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💸 Annual fee
S$196.20
(First 2 years waived)

💼 Income requirement
S’porean/PR: S$30,000/year,
Foreigner: S$42,000/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. S$10).

📜 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 up to 3.33% cashback on almost everything, up to S$600, S$1,000 or S$2,000 per statement month ^{Cashback capped at S$60, S$100 or S$200 per quarter (equivalent to S$20, S$33.33 or S$66.67 per month).}
 Get additional 1 – 6.67% cashback at selected merchants (total up to 4.33 – 10% cashback) ^{Selected merchants include: Grab, Shopee, Giant, Cold Storage, SimplyGo and SP Group. Additional cashback capped at S$120 per statement month.}

⚠️ Minimum card spend of S$600, S$1,000 or S$2,000 per statement month, for 3 consecutive months in a qualifying quarter required for bonus cashback
⚠️ Minimum 10 transactions per statement month required for bonus cashback
⚠️ 0.03% cashback on non-bonus spending
⚠️ Bonus categories for additional cashback (1 – 6.67%) are MCC-sensitive
⚠️ 3.25% foreign transaction fee

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UOB One Card

Suitesmile rating:

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✍️ Short summary
This card can be highly rewarding, but it requires a lot of tracking work on your part and can be very time-consuming.

Earn up to 3.33% cashback on almost everything, including 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 S$60, S$100 or S$200 at the end of each quarter.

How to receive up to 3.33% cashback:

• MANDATORY: Make at least 10 transactions per statement month
• Get S$60 cashback when you spend at least S$600 per month, for 3 consecutive statement months in a qualifying quarter
• Get S$100 cashback when you spend at least S$1,000 per month, for 3 consecutive statement months in a qualifying quarter
• Get S$200 cashback when you spend at least S$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 S$600, S$1,000 or S$2,000 for 3 consecutive months in a qualifying quarter. For example, a cardholder who spends S$1,800/month in that same period, would fall under the S$1,000 band and be rewarded with just S$100 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 (total up to 10% cashback) at selected merchants like Grab, Shopee, Giant, Cold Storage and SimplyGo. This additional cashback is capped at S$120 per statement month.

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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%

❓ When cashback is credited
Receive your cashback in the card by the following statement date after the completion of your qualifying quarter.

📜 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$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:

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✍️ 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.

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💸 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

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$60,000Annual fee: No annual fee, ever

 Get 0.5% cashback on foreign transactions
 No minimum spending
 Uncapped earn rates
 No foreign transaction fees

⚠️ “15% cashback” claim for chosen category is impossible to achieve
⚠️ Low earn rate for local spending (spend with better cashback cards)