The consensus first card, and every blog's default online pick. Nearly everything online earns 4 mpd with no minimum spend, and points last up to five years — very hard to mess up. Just never book travel on it.
4mpd
on almost everything online — travel excluded
Capped at S$1,000/statement month
Shopping, food delivery, streaming, ride-hailing — no minimum spend. Also covers selected offline shopping like department stores.
Watch out for
Travel earns no bonus — flights, hotels and OTAs like Klook get just 0.4 mpd. Use a travel card for those.
Paying in-app with Apple Pay or Google Pay doesn't count as online — use your stored card number instead.
The S$1,000 cap runs per statement month, not calendar month — time big purchases around your cycle.
Also consider
Good picks when the top card doesn't fit how you spend.
The specialist: 6 mpd on Shopee, Lazada and TikTok Shop while the promo lasts.
6mpd
at Shopee, Lazada, TikTok Shop and Watsons
Capped at S$1,000/calendar monthPromo — check it's still running
4mpd
on shopping — clothes, department stores, electronics
Capped at ~S$1,110/calendar month
Online and in-store, as long as the merchant codes as shopping.
Watch out for
The 6 mpd platform rate is a rolling promo — check it's still running before counting on it.
Only shopping merchants earn the bonus — dining, groceries and travel get 0.4 mpd.
Frequently asked questions
What counts as online spend?
Any payment made through a website or app checkout — Shopee, Lazada, Amazon, food delivery, streaming subscriptions and ride-hailing all count. Bill payments, top-ups, insurance and government transactions are excluded on every card.
Do Apple Pay or Google Pay in-app payments earn the online bonus?
Not on Citi Rewards — in-app mobile-wallet payments are excluded, so check out with your stored card number instead. DBS Woman's World is more forgiving here.
Does 4 mpd apply to Shopee, Lazada and Amazon?
Yes — all the main online cards (Citi Rewards, DBS Woman's World) earn 4 miles per dollar (mpd) there, and OCBC Rewards currently earns up to 6 mpd on Shopee, Lazada and TikTok Shop while its promo runs.
