The go-to for flights and hotels booked online — travel counts toward its 4 mpd, which Citi Rewards famously excludes. The single most common beginner mistake is booking travel on the wrong card; this is the right one.
4mpd
on online spend — including flights and hotels
Capped at S$1,000/calendar month
The travel coverage is the reason to hold this alongside Citi Rewards.
Watch out for
DBS Points on this card expire after just 1 year — set a reminder to convert them to miles.
The 4 mpd cap was cut to S$1,000/calendar month in Aug 2025 — spend above that earns 0.4 mpd.
Points accrue per S$5 block — a S$4.99 transaction earns nothing.
Also consider
Good picks when the top card doesn't fit how you spend.
Big SQ fare blowing past everyone's S$1,000 caps? This earns 3 mpd uncapped on Singapore Airlines and Scoot.
3mpd
on Singapore Airlines, Scoot, Kris+ and KrisShop
No cap
Useful for big SQ fares that would blow past other cards' S$1,000 caps.
Watch out for
Miles go straight into KrisFlyer only — no other airlines, no flexibility.
Frequently asked questions
Does Citi Rewards earn 4 mpd on flights?
No — travel is entirely excluded from Citi Rewards' online bonus (about 0.4 mpd). It's the single most common beginner mistake. Book with DBS Woman's World or HSBC Revolution instead.
Should I book direct with the airline or through an OTA?
Book direct where you can — HSBC Revolution excludes travel agents/OTAs (MCC 4722), so Agoda and Trip.com bookings can miss its bonus. DBS Woman's World is more OTA-friendly.
What if my flight costs more than the S$1,000 monthly cap?
Spend above the cap earns just 0.4 mpd. Split the booking across months or cards, or put big Singapore Airlines fares on the KrisFlyer UOB card (3 mpd, no cap).
