Buy Choice Points Promo: 30% Discount (Sep-Oct 2026)

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 year waived; request waiver every year)

 Earn 4 mpd on online spending, selected in-person shopping and in-person overseas spending (via Amaze ^{For in-person overseas spending, the trick is to link the Citi Rewards Card to Amaze, then use the Amaze Card to spend. Such transactions will be seen as 'online' by Citibank, earning you the bonus earn rate.}), up to S$1,000 per statement month
 No minimum spending
 5-year points expiry cycle ^{Points expire in 5-year cycles (plus 3 months grace period) from your card approval date. As such, points earned near the end of a cycle will have a shorter expiry term.}
 8 useful points transfer partners

0.4 mpd earn rate on non-bonus spending
Travel-related spending (e.g. flights, hotels) excluded from bonus earn rate
In-person shopping bonus earn rate (without Amaze linkage) is MCC-sensitive
3.25% foreign transaction fee (save ~1% via Amaze)
Amaze linkage for SGD spending comes with a 1% 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$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

📄 Quick review

More information on the

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$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$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$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

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
Annual fee: S$261.60 (first year waived; request waiver every year)

 Earn 2.8-3.2 mpd on foreign currency spending
 Earn 4 mpd on fuel spending
 Uncapped earn rates
 Points don’t expire

Minimum card spend of S$800 (for 2.8 mpd) and S$4,000 (for 3.2 mpd) per calendar month required for foreign currency bonus earn rates
0.4 mpd earn rate on non-bonus spending
Only 3 useful points transfer partners
3.25% foreign transaction fee

📄 Quick review

More information on the

Maybank World Mastercard

Suitesmile rating:

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✍️ Short summary
Earn uncapped 2.8 miles per dollar on foreign currency spending, when you spend at least S$800 per calendar month on the card.

Earn uncapped 3.2 miles per dollar on foreign currency spending, when you spend at least S$4,000 per calendar month on the card.

Cardholders can also earn uncapped 4 miles per dollar on fuel spending. Given the high amount of cashback (over 20%) that you can get with other cards, this card is best used at Sinopec fuel stations, where all members get between 20% to 23% fuel discounts, regardless of the type of card used.

On top of that cardholders can also receive 4 mpd on non-fuel purchases at the fuel station.

Cardholders also get 4 mpd at selected merchants.

All other transactions earn just 0.4 mpd.

Points earned on this card are pretty flexible, as they do not expire. Holding other Maybank cards? Having this card will also remove the expiry term of points earned on all your other Maybank cards.

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💸 Annual fee
S$261.60
(First year waived)

💼 Income requirement
S$80,000/year

🤑 Foreign currency fee
3.25%

⏰ Points expiry
Points earned on this card never expire

🫱‍🫲 Transfer partners
KrisFlyer, Asia Miles and Enrich

💯 Transfer ratio
2.5 points = 1 mile

🧮 Transfer block
KrisFlyer: 25,000 points (10,000 miles)
Asia Miles & Enrich: 12,500 points (5,000 miles)

💲Transfer fee
S$27.25 per transfer

🤗 Points pooling
Points from this card can be combined with those from other Maybank cards and transferred out together at once.

❓How points are credited
Earn 5 base point per S$5 spent, plus 30/35 bonus points for eligible foreign currency spending (equivalent to 2.8/3.2 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
• Malaysian: S$45,000
• Foreigner: S$60,000Annual fee: S$196.20 (first 3 years waived; request waiver every year)

 Earn 2.8 mpd on foreign currency spending (uncapped)
 Earn 2.8 mpd on flight bookings, up to S$10,000 per calendar month
 1-year points expiry term

Minimum card spend of S$800 per calendar month required for bonus earn rate
0.4 mpd earn rate on non-bonus spending
Only 3 useful points transfer partners
3.25% foreign transaction fee

📄 Quick review

More information on the

Maybank Horizon Visa Signature Card

Suitesmile rating:

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✍️ Short summary

Cardholders can receive an uncapped earn rate of 2.8 miles per dollar on foreign currency transactions, when spending at least S$800 per calendar month.

On top of that, cardholders can also receive 2.8 miles per dollar on flight bookings, when spending at least S$800 per calendar month. However, this bonus earn rate is capped at S$10,000 per calendar month.

Other whitelisted transactions in SGD earn 1.2 mpd, and non-whitelisted ones just 0.4 mpd.

Points earned on this card expire after just 1 year, and can only be transferred to 3 Frequent Flyer Programs. Because of its poor flexibility and minimum spending requirement, this card is best used for more-expensive flight bookings in Singapore Dollars and school fees in foreign currencies.

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💸 Annual fee
S$196.20
(First 3 years waived)

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

🤑 Foreign currency fee
3.25%

⏰ Points expiry
1 year from transaction
(No expiry if you also hold the Maybank World Mastercard)

🫱‍🫲 Transfer partners
KrisFlyer, Asia Miles and Enrich

💯 Transfer ratio
2.5 points = 1 mile

🧮 Transfer blocks
KrisFlyer: 25,000 points (10,000 miles)
Asia Miles & Enrich: 12,500 points (5,000 miles)

💲Transfer fee
S$27.25 per transfer

🤗 Points pooling
Points from this card can be combined with those from other Maybank cards and transferred out together at once.

❓How points are credited
Earn 15 base points per S$5 spent on whitelisted local spend and foreign currency spending, plus 20 bonus points per S$5 on foreign currency spending and air tickets when you spend at least S$800 in a calendar month (equivalent to 2.8 mpd in total).

📜 Terms & conditions

📜 Terms & conditions of Maybank TREATS points

🎁 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 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 calendar 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
 8 useful miles transfer partners

Low earn rates (spend with 4 mpd cards instead):
• 1.2 mpd on local spending
• 2.2 mpd on foreign currency spending 3.25% foreign transaction fee