The Singapore miles cheatsheet

The right miles card for every dollar you spend.

Beginner-friendly picks for Singapore's air miles credit cards: which card earns 4 miles per dollar (mpd) on what, and the gotchas the banks don't shout about. No jargon, no spreadsheet life.

Start hereBest card for each category
Singapore cards onlyCaps & exclusions surfacedUpdated 4 July 2026
DBS Woman's World Card card artUOB Preferred Visa card artHSBC Revolution card artThe whole beginner setup — tap a card to read its review

I'm spending on…

Pick a category and we'll tell you exactly which card to pull out.

Online ShoppingWhere most of your spend already happens — and where 4 mpd is easiest to earn.See our pick →DiningRestaurants, cafés and date nights — minus the fast-food fine print.See our pick →GroceriesSupermarkets are quietly excluded from most bonuses. Here's the workaround.See our pick →Travel BookingsFlights, hotels and OTAs — where the wrong card quietly earns 10× less.See our pick →TransportGrab rides, MRT taps, and the SimplyGo trap most cards fall into.See our pick →Overseas Spend4 mpd on holiday spending — and the FX-fee math nobody explains.See our pick →ContactlessTap your phone, earn 4 mpd. The easiest miles you'll ever make.See our pick →General SpendFor everything the bonus cards won't touch. Honestly? Optional.See our pick →

How this works

The 80/20 of miles in Singapore, without the forum deep-dives.

1Start with two cards

One card for online spend, one for in-person spend. That combo alone earns close to the maximum most people can get.

2Match card to spend

Use our category picks so every dollar earns the bonus rate — dining, groceries, travel, transport.

3Mind the gotchas

Caps, exclusions, and merchant-coding quirks are where miles quietly die. We surface them upfront.

Card reviews

Straight-talking reviews of the cards that actually matter for beginners.

Citi Rewards card artCiti RewardsThe default first card: 4 mpd on nearly everything online.Read review →UOB Preferred Visa card artUOB Preferred VisaTap your phone anywhere, earn 4 mpd.Read review →HSBC Revolution card artHSBC RevolutionPermanent 4 mpd online + contactless, no annual fee ever.Read review →DBS Woman's World Card card artDBS Woman's World Card4 mpd online — including flights and hotels.Read review →UOB Lady's Card card artUOB Lady's CardA clean 4 mpd on one category you choose.Read review →UOB Visa Signature card artUOB Visa Signature4 mpd for big contactless and overseas months.Read review →