GHA Discovery Offering D$5 Bonus on App Bookings

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 points expiry term
Only 2 useful points 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
• Malaysian: S$45,000
• Foreigner: S$60,000Annual fee: S$87.20 (first 2 years waived; request waiver every year)

 Earn 4 mpd on five bonus categories, up to S$1,000 per calendar month:1) Dine (e.g. restaurants, bakeries, food delivery)
2) Shop (e.g. apparel, department stores)
3) Travel (e.g. airlines, hotels, travel agencies)
4) Play (e.g. bars, cinemas)
5) Foreign Spend (e.g. almost anything in foreign currencies)

Only available to those aged 21-39 years
Minimum card spend of S$500 per calendar month required for bonus earn rate
0.4 mpd earn rate on non-bonus spending
1-year points expiry term (no expiry with Maybank’s Rewards Infinite Programme)
Only 3 useful points 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
• Malaysian: S$45,000
• Foreigner: S$60,000Annual fee: S$87.20 (first 2 years waived; request waiver every year)

 Get 5% cashback on five bonus categories, up to S$1,600 per calendar month:1) Dine (e.g. restaurants, bakeries, food delivery)
2) Shop (e.g. apparel, department stores)
3) Travel (e.g. airlines, hotels, travel agencies)
4) Play (e.g. bars, cinemas)
5) Foreign Spend (e.g. almost anything in foreign currencies)

Only available to those aged 21-39 years
Minimum card spend of S$500 per calendar month required for bonus cashback
0.2% cashback on non-bonus spending
3.25% foreign transaction fee

📄 Quick review

Mini review of the

Maybank XL Cashback Card

Suitesmile rating:

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This card gives you a strong 5% cashback on selected spending categories like flights, hotels, dining, shopping (in-person & online), food deliveries, entertainment and foreign currencies (overseas & online), when spending at least S$500 and up to S$1,600 per calendar month.

But oldies beware, this card is only available to those aged 21 to 39 years old.

Qualifying transactions:
Only whitelisted Merchant Category Codes (MCCs) for each spending category qualify for the bonus earn rate. Unsure about the MCC? Check before making the payment.

However, if you’re spending in a foreign currency, it doesn’t matter what the MCC is, provided it doesn’t fall under the general exclusions stated in the t&c. What’s great is that typically-excluded spending categories like Medical and Education qualify for 5% cashback, when paying in a foreign currency.

All other transactions earn just 0.2% cashback (uncapped).

Cardholders can reduce the foreign currency fee by about 1% by pairing this card to Amaze. IMPORTANT: Only do this for the non-foreign currency bonus categories (flights, hotels, dining etc.) made in foreign currency (not SGD).

If you’re into the Miles, check out the highly-rated Maybank XL Rewards Card.

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💸 Annual fee
S$87.20
(First 2 years waived)

👶 Age requirement
21 to 39 years old

💼 Income requirement
S$30,000/year (S’porean/PR),
S$45,000/year (Malaysian),
S$60,000/year (Foreigner)

🤑 Foreign currency fee
3.25%

❓When cashback is credited
Cashback amount will be credited to the card at the end of the next 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$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 points expiry term
Only 2 useful points 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$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 points expiry term
Only 2 useful points 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$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 points expiry term
Only 2 useful points 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$120,000
Annual fee: S$414.20 (first year waived; request waiver every year)

 Earn 4 mpd on two chosen bonus categories, up to S$750 per calendar month each (total S$1,500) ^{Choose 2 bonus categories 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 points expiry term
Only 2 useful points transfer partners
3.25% foreign transaction fee

📄 Quick review

More information on the

UOB Lady’s Solitaire Card

Suitesmile rating:

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✍️ Short summary
This card, which is also available to men, gives you a great earn rate of 4 miles per dollar on 2 pre-selected bonus categories, up to S$750 per calendar month each (total S$1,500). No minimum spending is required.

Cardholders will only earn 0.4 mpd on other categories and spendings above the bonus limit.

Cardholders can choose/change a preferred bonus categories 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 this 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.

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💸 Annual fee
S$414.20
(First year waived, request waiver every year after that)

💼 Income requirement
S$120,000/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
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$15,000-S$30,000 ^{S$30,000/year if aged 55 and below; S$15,000/year if aged 56 and above.}
Annual fee: No annual fee, ever

 Get 1.5% cashback on foreign transactions, up to S$1,500 per calendar month (till 31 Dec 2027)
 No minimum spending
 No foreign transaction fees

Low earn rates on local and Shopee spending (spend with better cashback cards instead)
• 1.5% cashback on local spending
• 1.5% coins on Shopee spending

📄 Quick review

More information on the

Mari Credit Card

Suitesmile rating:

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✍️ Short summary
Mari Credit Card gives you 1.5% cashback, great foreign exchange rates with no foreign transaction fees and it does not come with an annual fee.

Cardholders can receive 1.5% cashback on any currency spending; uncapped for SGD transactions, up to S$1,500 per calendar month (till 31 Dec 2027) for foreign currency transactions. No minimum spending is required.

The existence of this card also means that the opportunity cost of using Miles credit cards (other than the newly-revamped Trust Freedom Card) for foreign currency spending is now about 4.75%, as those cards come with around 3.25% in FX fees and no cashback.

Cardholders can also earn 1.5% Shopee coins when transacting with Mari Credit Card Instant Checkout on Shopee, but there are better miles and cashback cards for Shopee spending!

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💸 Annual fee
No annual fee, ever

💼 Income requirement
S$30,000/year (aged 55 and below),
S$15,000/year (aged 56 and above)

🤑 Foreign transaction fee
No foreign transaction fee

❓How/When cashback is credited
Cashback amount is credited into the card immediately when the transactions post.

📜 Terms & conditions

🎁 Sign-up bonusGet S$30 cashback after spending at least S$300 within 30 days from card approval date.

Plus, get a S$50 Shopee voucher pack when you use Mari Credit Card Instant Checkout on Shopee.

Use code 6JAC91WK when signing up.

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

 Choose 1 of 4 card rewards:• 1.5% cashback locally, 0.5% on foreign spend
• Up to 15% cashback on chosen category (~5% in reality)
• 3% stockback on chosen stock/ETF (till 31 Dec 2026)
• 1.3 mpd on local and foreign spend No minimum spending (for 0.5-1.5% cashback, stockback and miles)
 Uncapped earn rates (for 0.5-1.5% cashback, stockback and miles)
 No foreign transaction fees

“15% cashback” headline on chosen category is impossible to achieve
Low earn rates on local spending:
• 1-1.5% cashback (spend with better cashback cards instead)
• 1.3 mpd (spend with better miles cards instead) S$5 earning block for miles ^{Transactions under S$5 earn zero miles.}
Stockback option drops to 2% locally and 0.5% foreign from 1 Jan 2027
Reward switch only takes effect from the next membership quarter

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 (waived indefinitely)

 Get uncapped 0.5-1% cashback on foreign transactions, with no minimum spending (till 31 Dec 2027) ^{0.5% cashback in China and Europe (and Australia from 1 Jan 2027), 1% cashback in other countries.}
 No foreign transaction fee

“10% cashback” claim is impossible to achieve
Minimum card spend of S$800 per statement month required for bonus cashback
Get a maximum of 6.4% cashback on two bonus categories (but only if you meet the spending amounts exactly and spend exactly S$300 on other things):1) Local Online & Mobile Contactless (up to S$300)
2) Selected Gym, Telco & Streaming (up to S$200) 0.3% cashback on non-bonus spending
Selected Gym, Telco & Streaming category is MCC-sensitive

📄 Quick review

Mini review of the

UOB EVOL Card

Suitesmile rating:

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This card does not come with any foreign transaction fees and awards the following uncapped cashback on foreign transactions (until 31 Dec 2027):

1. China & Europe (and Australia from 1 Jan 2027): 0.5% cashback
2. Other countries: 1% cashback

Cardholders can also get up to 6.4% cashback on the following categories, when spending at least S$800 on the card in a statement month:

1. Local Online (SGD), Mobile Contactless (Google Pay, Apple Pay)
2. Selected Gym, Telco and Streaming

Although UOB advertises “up to 10% cashback”, the cashback amount is capped at S$30 for the first category (S$300 worth of spending), and S$20 for the second category (S$200 worth of spending). And unfortunately, “other” spending only earns 0.3% cashback.

In other words, after spending S$300 + S$200 on the bonus categories, cardholders will need to spend at least S$300 more to meet the minimum spend of S$800, and earn just 0.3% cashback on that amount. In this best-case scenario where you spend the exact amounts, you’d receive 6.4% cashback.

This card’s key feature is foreign currency spending (no FX fees + uncapped 0.5-1% cashback with no min. spend), and since it’s not connected to the confusing and misleading “10% cashback” benefit, you can (and probably should) safely ignore the latter.

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💸 Annual fee
S$196.20
(waived indefinitely)

💼 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
0%

❓When cashback is credited
Cashback amount is credited into the card at the end of the following statement month.

📜 Terms & conditions

🎁 Sign-up promo