The honest answer: a general-spend miles card is optional. If you want one, Altitude is fine — 1.3 mpd, uncapped, points never expire. Utilities, insurance and government payments earn nothing on any bonus card, so consider cashback for those instead.
1.3mpd
on all local spend
No cap
2.2mpd
on overseas spend
No cap
Watch out for
1.3 mpd is a third of what bonus cards earn — use it only for spend that fits nowhere else.
The automatic annual-fee waiver is scrapped from Aug 2026 — you may need to call and ask.
Also consider
Good picks when the top card doesn't fit how you spend.
The lazy option: 2.4 mpd uncapped on most everyday categories with one card — if you're SQ-loyal and patient about crediting delays.
2.4mpd
on dining, food delivery, online shopping, travel and transport
No capS$1,000/year on SIA Group
Watch out for
Half the 2.4 mpd arrives up to 2–14 months later — and only if you hit S$1,000/year on SIA Group.
Miles go straight into KrisFlyer only — no other airlines, no flexibility.
Frequently asked questions
What earn rate is good for uncapped general spend?
1.3–1.4 mpd local is the realistic ceiling for a simple card; KrisFlyer UOB's 2.4 mpd is the uncapped outlier, with strings attached. Anything promising more on 'everything' has minimums or fees.
Which card should I use for bills, insurance and utilities?
None of the bonus cards — those merchant categories are excluded almost everywhere. Route them to a cashback card instead of earning 0.4 mpd.
Miles or cashback for general spend?
Cashback, honestly — unless you consistently redeem miles above ~1.5 cents each (think business class), 1.5% cashback beats 1.3 mpd for unbonused spend.
