Best Credit Cards for Cash Rebates 2015

Cashback credit cards are gaining in popularity as they give you cash rebates, usually at the end of month or quarter instead of the reward points that many credit cards offer. They work much better than rewards points as you don't have to redeem them for vouchers which will just force you to spend more instead.

Whether you own a car or not will determine which credit card you should be using as drivers typically spend $300 to $400 on petrol each month and credit cards typically offer 5% up to 20% discount / rebate on your petrol spend which can add up to a lot in a year.

Where you pump your petrol will also affect which card is right for you as banks usually have tie-ups with one or two brands. The Citibank Dividend Card offers up to 18.3% savings at Esso and Shell while HSBC Visa Platinum Card offers up to 18.3% at Shell and Caltex with minimum monthly spending of $800 for each qualifying quarter. OCBC 365 Card on the other hand requires minimum monthly spending of $600 for the rebates to apply, otherwise only 0.3% cash rebates are awarded. In terms of flexibility, Citibank Dividend Card comes up tops and does not come with a monthly minimum spending requirement. However, to qualify for the rebates, each transaction must be $50 and above, which should be easily met if we are talking about a full tank of fuel. Below is a summary of how much savings you can potentially get at the various fuel stations.
 

	Savings offered at
	Esso	Caltex	Shell	SPC
Citibank	Up to 18.3%	Up to 5%	Up to 18.1%	Up to 5%
HSBC	Up to 5%	Up to 18.3%	Up to 18.3%	Up to 5%
OCBC	Up to 18.3%	Up to 18.3%	Up to 5%	Up to 5%
UOB		Up to 21.7%		Up to 20%

Based on data provided on sgcarmart.com, there are a total of 190 petrol kiosks in Singapore -
Esso (63), Shell (58), SPC (40), Caltex (29)

Also, how much you typically spend monthly, whether it is $300 or $3,000, there is a credit card to cater to your needs. The American Express True Cashback card and CIMB World MasterCard  do not have any minimum spending requirements, making them more suitable for small monthly expenditure. The Citibank Dividend Card and the Manhattan World MasterCard are more suitable for high spenders.

Some cards offer a complicated cashback system or low cashback rates with many conditions attached. Some cards like the UOB One Card, Manhattan World MasterCard, HSBC Visa Platinum Card offer tiered rebates based on monthly and / or quarterly spending.

For Drivers, our Top 3 Cards are:

The Citibank Dividend Card promises more savings on petrol, groceries and health & beauty / pharmacies spend, dining spend and 0.5% on all other spend. What we like about the card is that it does not have any monthly spending requirements. However, all eligible transactions under petrol, groceries, pharmacies and dining spend must be greater than $50, otherwise only 0.5% is awarded. The annual award is capped at a maximum of $800 Bonus Dividend Dollars. 



Current Promotion
Online Festive Special: Get a $68 Instant Citi Rebate when you apply for two Credit Cards and a Ready Credit account.

Click here to Apply Now and we will direct you to the official card issuer's website.

HSBC Visa Platinum Credit Card allows you to enjoy up to 5% cash rebates on groceries and petrol, and up to 2% cash rebates on dining under the Quarterly Cash Rebates Programme with a minimum spending of $800 per month for all 3 months in a quarter. On top of enjoying the cash rebates of up to 5% on petrol, you will also enjoy 14% instant petrol discounts at all Caltex and Shell stations, that is up to 18.3% savings. The rebates earned are subject to the conditions below.

 

Earn 1 Rewards point with every S$1 charged and reap the benefits of a 3-year validity period. That means more time to accumulate points for higher-value Rewards items. Plus, earn HSBC's Rewards points with your tax payment. Simply charge your taxes to your HSBC credit card to enjoy the convenience of consolidating your payments into one account.

 

Current Promotion

Receive a welcome gift of a United Colors of Benetton Slash 24" luggage (worth S$319) when you sign up now, plus an additional United Colors of Benetton Slash 20" luggage and a kid's backpack (worth S$348) when you sign up with an additional supplementary card.

Online sign up exclusive:
Enjoy an additional S$20 cash rebate when you apply and submit your supporting documents online.

Click here to Apply Now and we will direct you to the official card issuer's website.

 

OCBC 365 Credit Card
This OCBC cashback card is a latecomer into the local credit card scene but is a pretty strong contender to the other cashback cards as it offers rebates on online shopping and more attractive dining rebates with a minimum spend of S$600 based on posted transactions in a calendar month. If you spend less than S$600, a flat 0.3% cashback is awarded. Cashback amount is capped at S$80 per calendar month or $960 per calendar year.

Please see below for the various types of rebates.

Current Promotion
Apply now and get 2 years of annual fees waived.



Click here to Apply Now and we will direct you to the official card issuer's website.

For Non-Drivers, our Top 3 Cards are:

For those who spend below $1,500, we have a tie between 2 cards.

American Express True Cashback Card

Enjoy 1.5% cashback anywhere 24/7 365 days. There is no minimum monthly spending as well as minimum spending per transaction required. There is also no cap on the amount of cashback you can earn. This is especially useful for those with small monthly expenditure or those with irregular spending patterns each month. It helps if you can maximise the usage of the card by charging all your recurring bills like Telco, utilities, insurance, monthly subscriptions, gym memberships to the card as well.

Current Promotion
As an welcome offer, you will enjoy 5% Cashback for the first 3 months (up to a total of $5,000 spending) plus a fee waiver for the first year.

Click here to Apply Now and we will direct you to the official card issuer's website.

AND

OCBC 365 Credit Card
This OCBC cashback card is suitable for you if you have a regular spending pattern, with a minimum spend of $600 per month. It offers rebates on online shopping and more attractive dining rebates based on posted transactions in a calendar month. If you spend less than S$600, a flat 0.3% cashback is awarded. Cashback amount is capped at S$80 per calendar month or $960 per calendar year.

Please see below for the various types of rebates.

Current Promotion
Apply now and get 2 years of annual fees waived.



Click here to Apply Now and we will direct you to the official card issuer's website.


For those who spend $1,500 and above,

The Citibank Dividend Card promises more savings on petrol, groceries and health & beauty / pharmacies spend, dining spend and 0.5% on all other spend. What we like about the card is that it does not have any monthly spending requirements. However, all eligible transactions under petrol, groceries, pharmacies and dining spend must be greater than $50, otherwise only 0.5% is awarded. The annual award is capped at a maximum of $800 Bonus Dividend Dollars. 

Current Promotion
Online Festive Special: Get a $68 Instant Citi Rebate when you apply for two Credit Cards and a Ready Credit account.

Click here to Apply Now and we will direct you to the official card issuer's website.

For those who spend $3,000 and above,

With the Manhattan World MasterCard, you'll get up to 3% CashBack (up to a maximum of $800 a year) on eligible purchases plus a suite of exclusive lifestyle privileges.

To receive the maximum rebate of S$200 per quarter, the best way to do it is to accumulate your big ticket purchases in one month and charge at least S$6,667 in that month. Alternatively, if you spend $3,000 or more per month, you can also enjoy 3% rebate, subject to a cap of $200 per quarter which means that the effective cashback you can enjoy is just over 2.2% or less.

See table below for the tiered spending and the respective cashback you can enjoy with the card.

Total eligible	Applicable CashBack	Maximum CashBack
monthly spend	tier for the month	earned and received
		per quarter
$1–$999	0.50%	Capped at $200
$1,000–$2,999	1%
$3,000 and above	3%

Current Promotion




For new customers, apply for both cards by 28 February 2015 and choose from three great gifts (Samsung GALAXY Tab 4 (7.0") LTE OR BOSE Soundlink Mini Bluetooth speaker OR American Tourister Puzzle-Lite Spinner 59cm luggage). Simply charge a combined minimum of $200 in eligible retail transactions to your Cards (with at least one transaction on each card) within 30 days of card approval. This promotion is only applicable if you do not hold a principal credit card and do not have a personal loan with Standard Chartered Bank.

Click here to Apply Now and we will direct you to the official card issuer's website.

 

Other Cashback Cards considered are as follows:

With the UOB One Card, simply spend over S$300 a month to get up to 3.33% in cash rebate per quarter to automatically offset your credit card bills. The more you spend, the more cash rebate you will get. Assuming your UOB One Card Statement date is 15th of every month, a minimum of 3 purchases with a total minimum spend must be posted before the statement date in order for you to earn the quarterly cash rebate. See table below.

 

Also, you will get up to an additional 10% SMART$ rebates on top of your One Card cash rebates, at over 600 participating merchants islandwide which let you earn up to 13.33% cash rebates. Earn an additional 2% on all overseas spend with your UOB One Card. This additional 2% rebate applies to all transactions made overseas, capped at S$5,000 overseas spend per calendar year, awarded to you every month to offset your monthly credit card bills.

If your credit card monthly spend are very regular and is very close to the tier cut-offs by UOB, you can stand to save a lot. However, excess spending on the card exceeding the tier cut-offs will bring down the effective savings. For example, if you spend $600 per month, your effective cash rebates will be only 1.7% instead of 3.33%. One point to note is if you do not meet the minimum spend for just one month, you will not get any cash rebate for that quarter.

Click here to Apply Now and we will direct you to the official card issuer's website.

CIMB World MasterCard
Enjoy a 1% cash rebate on all your purchases and no monthly cap, no annual fees for life, complimentary green fees at prominent golf courses in Singapore, Malaysia and Indonesia, travel insurance of up to S$1 million, special dining discounts and unique privileges across borders.

However, the prohibitive factor is the income requirement of $120,000 per annum which will put it out of most people's league.

Click here to Apply Now and we will direct you to the official card issuer's website.

What is your favourite cashback credit card? How much rebates can you get from the card each month?

Let us know if you have a better card to recommend to us.

Best Dining Credit Cards 2014

One of the best ones in the market is undoubtedly The American Express® Platinum Credit Card. You also get complimentary The Far Card Classic Membership worth S$425 and Complimentary Palate membership worth S$457.96 (inclusive of GST) which allows to dine at certain dining establishments at up to 50% savings. Using the FAR Card, members are entitled to dining discounts at restaurants in Fairmont Singapore, Swissôtel The Stamford and Swissôtel Merchant Court, Swissôtel Nankai, Osaka and Swissôtel Nai Lert Park like Szechuan Court, Asian Market Café, Mikuni, Prego, Equinox Restaurant, JAAN, Ellenborough Market Café and so on, depending on the number of diners. Using the Palate card, you will be entitled to discounts at the Tung Lok Group of restaurants, Forlino, Spizza, Dancing Crab, Xin Cuisine, ilLido and so on.

Number of diners	Usual member reductions	Usual member reductions
	FAR card	Palate card
Member plus 1 guest (2 adults)	50%	50%
Member plus 2 guests (3 adults)	33%	35%
Member plus 3 guests (4 adults)	25%	25%
Member plus 4-9 guests (5-10 adults)	20%
Member plus 4-19 guests (5-20 adults)		20%
Member dining alone	10%	15%

You can earn 2 Membership Rewards points for every S$1.60 spent and 10 Membership Rewards points for every S$1.60 spent at these Platinum EXTRA Partners. So by charging S$4,500 to your Card at Platinum EXTRA Partners, you could earn enough points to redeem an Economy Class return ticket to Bali. That is simply amazing!

Full Fee Offer
Sign up and receive the following (worth S$1,198):
• S$150 worth of CapitaVoucher
• ASUS Fonepad 7 FE-170 CG with Stylus Pen worth S$223
• TUMI VAPORTM International Carry-On Travel Luggage worth S$825 when you accumulate S$7,500 within the first 12 months' statements OR

First Year Fee Waiver Offer
Sign up and receive the following (worth S$761):
• First Year Fee Waiver worth S$321
• Samsonite Colory Spinner 57/20" Luggage4 worth S$440 when you accumulate a spend of S$7,500 within the first 12 months' statements.

Points never expire. Platinum Credit Card Members enjoy auto-enrolment with the Frequent Traveller Option, and a waiver of S$40 enrolment fees to convert points to miles.

Click here to Apply Now and we will direct you to the official card issuer's website.

The UOB Preferred American Express Platinum Card is perfect for foodies as it rewards card members with 5X UNI$ on local and overseas dining. 10UNI$ is equivalent to 4 KrisFlyer miles for every S$1 spent on dining. However, on other spending, you will earn 0.8 KrisFlyer miles per S$1 spent. Click here to Apply Now and we will direct you to the official card issuer's website.

UOB Credit Cards offer lots of dining promotions for all its card users. The latest of which can be found here. Its famous 1-for-1 promotion deals at leading hotels like Carlton, Marriott, Pan Pacific, Traders Hotel, etc. and 1 dines free with every 2 or 3 paying adults at Ritz Carlton, Four Seasons, Mandarin Oriental, etc. can add up to substantial savings for a large party. Click here to Apply Now and we will direct you to the official card issuer's website.

OCBC 365 Credit Card
This card rewards with 6% cashback on weekend dining locally; 3% cashback on weekday dining locally, overseas dining, online spending (travel, fashion, movie tickets, etc.), groceries at all supermarkets & recurring telco bills; 0.3% on others (with min spend of S$600 in each calendar month, capped at S$80 per month). If you spend less than S$600, a flat 0.3% cashback is awarded. It also offers up to 18.3% fuel savings at Esso and Caltex petrol stations and 5% Cashback at all other petrol service stations. Click here to Apply Now and we will direct you to the official card issuer's website.

Citibank Credit Cards allows card members to enjoy dining privileges at any of the 1,000 Citibank Gourmet Pleasures preferred restaurants islandwide. These privileges included outright discounts ranging from 15% to 50%, cash rebates with minimum spending, free gift with purchases and so on.

Best Deal Promise
With the Best Deal Promise, Citibank assures you that we offer the best promotion at a Citibank Gourmet Pleasures preferred restaurant. Promotions are exclusive for Citibank cardmembers and will always be the same or better off than another credit card offer at the same outlet. If you find any better offer with another credit card, we will refund you the difference!

Click here to Apply Now and we will direct you to the official card issuer's website.


Whether it is outright discounts on dining spend or cashback, you are sure to discover the best dining credit cards for your lifestyle needs.

Best Cash Back Credit Cards 2014

If you are the type who prefers cashback rather than vouchers or miles as rewards for spending on your credit card, look no further as we are reviewing the best cash back credit cards today.

With the Manhattan World MasterCard, you'll get up to 3% CashBack (up to a maximum of $800 a year) on eligible purchases plus a suite of exclusive lifestyle privileges. To receive the maximum rebate of S$200 per quarter, the best way to do it is to accumulate your big ticket purchases in one month and charge at least S$6,667 in that month. See table below for the tiered spending and cashback you can enjoy with the card.

Apply online before 31 August 2014, charge $200 within 30 days and choose from two awesome gifts, the Samsung GALAXY Tab 3 (7.0") WiFi (with admin fee of $99 – exclusive online offer) or American Tourister Puzzle-Lite Spinner 59cm luggage (free of charge)

Total eligible	Applicable CashBack	Maximum CashBack
monthly spend	tier for the month	earned and received
		per quarter
$1–$999	0.50%	Capped at $200
$1,000–$2,999	1%
$3,000 and above	3%

Click here to Apply Now and we will direct you to the official card issuer's website.

The POSB Everyday Card has been voted Singapore's favourite credit card 6 years in a row by a poll conducted by Asia One People's Choice 2014.

You will enjoy up to 5% rebate on groceries, personal care items, daily transport, recurring utility and telco bills as well as other everyday essentials. Also, you can get up to 2% cash rebate on your overseas spend, subject to a minimum total spend of S$1,000 within the same calendar month and capped at a maximum of S$5,000 overseas spend (equivalent to Daily$100) per calendar year.

You can also use it as your ez-link card to pay for your daily transport. When you sign up for EZ-Reload, an auto top-up facility for your ez-link card, you get a 2% cash rebate when charged to your POSB Everyday Card.

Partners	Cash Rebates
Airasia.com	3%
Sheng Siong	5%
SPC	Up to 17.55% savings
Watsons	3%
POPULAR and UrbanWrite	1%
SP Services	1%
Starhub	1%
Comfort/ CityCab taxi fares	1%
EZ-Reload	2%
HDB Season Parking fees online	1%
Everything else!	0.3%

 

Click here to Apply Now and we will direct you to the official card issuer's website.
 

With the UOB One Card, simply spend over S$300 a month to get up to 3.33% in cash rebate per quarter to automatically offset your credit card bills. The more you spend, the more cash rebate you will get. Assuming your UOB One Card Statement date is 15th of every month, a minimum of 3 purchases with a total minimum spend must be posted before the statement date in order for you to earn the quarterly cash rebate. See table below.

Also, you will get up to an additional 10% SMART$ rebates on top of your One Card cash rebates, at over 600 participating merchants islandwide which let you earn up to 13.33% cash rebates. Earn an additional 2% on all overseas spend with your UOB One Card. This additional 2% rebate applies to all transactions made overseas, capped at S$5,000 overseas spend per calendar year, awarded to you every month to offset your monthly credit card bills.

Get a free OTO Sphere Air Purifier worth S$168 by applying for UOB card online and charge a minimum of S$500 to your UOB Principal Credit Card within the first month of approval for new UOB card customers only. For a limited period only, a Limited edition card + S$50 cash rebate² is yours when you apply now. The Limited Edition One Card is given to new card applications approved from 9 August to 30 September 2014, while stocks last. To qualify for the bonus S$50 cash rebate, the Principal One Card account must be approved between 9 Aug and 31 Oct 14. Limited to the first 3,000 applications.

Click here to Apply Now and we will direct you to the official card issuer's website.

The Citibank Dividend Card promises more savings on petrol: up to 18.3% at Esso and 18.1% at Shell stations and 5% at all other petrol stations, up to 5% savings on all groceries and health & beauty / pharmacies spend, up to 2% savings on all dining spend and 0.5% on all other spend. All eligible transactions under petrol, groceries, pharmacies and dining spend must be greater than $50, otherwise only 0.5% is awarded. The annual award is capped at a maximum of $800 Bonus Dividend Dollars. Click here to Apply Now and we will direct you to the official card issuer's website.

Citibank SMRT Visa Platinum Card

Depending on whether your monthly statement spending is more or less than S$600 and whether your transaction amount is more or less than $50, you get to enjoy different rates of rebate up to 7% rebate on grocery at NTUC, Sheng Siong and Giant, up to 15% rebate on coffee at Starbucks, up to 2% rebate on your EZ-Link top up as you tap and go. On other spending, get 0.3% rebates. You also get to redeem your SMRT$ for vouchers and free rides.

Click here to Apply Now and we will direct you to the official card issuer's website.

HSBC Visa Platinum Credit Card now gives you more savings so you can enjoy more with your loved ones, making family moments even more valuable. Enjoy up to 5% cash rebates on groceries and petrol, and up to 2% cash rebates on dining under the Quarterly Cash Rebates Programme. On top of enjoying the cash rebates of up to 5% on petrol, you will also enjoy 14% instant petrol discounts at all Caltex and Shell stations. The rebates earned are subject to the conditions below.

 

Earn 1 Rewards point with every S$1 charged and reap the benefits of a 3-year validity period. That means more time to accumulate points for higher-value Rewards items. Plus, earn HSBC's Rewards points with your tax payment. Simply charge your taxes to your HSBC credit card to enjoy the convenience of consolidating your payments into one account.

You will receive a Sign up gift of American Tourister 3-piece luggage set + 2-piece accessory worth S$380. Online sign-up exclusive: additional S$20 cash rebate as well as a 2-year Annual Fee waiver.

Click here to Apply Now and we will direct you to the official card issuer's website.

OCBC 365 Credit Card
This card rewards with 6% cashback on weekend dining locally; 3% cashback on weekday dining locally, overseas dining, online spending (travel, fashion, movie tickets, etc.), groceries at all supermarkets & recurring telco bills; 0.3% on others (with min spend of S$600 in each calendar month, capped at S$80 per month). If you spend less than S$600, a flat 0.3% cashback is awarded. It also offers up to 18.3% fuel savings at Esso and Caltex petrol stations and 5% Cashback at all other petrol service stations.

Click here to Apply Now and we will direct you to the official card issuer's website.

Maybank Family & Friends Platinum MasterCard

Enjoy 5% cash rebates at selected merchant outlets plus earn 0.3% cash rebates on all other purchases. Selected merchants include Cold Storage; NTUC Fairprice/Finest/X-tra; FOX Kids & Baby; Mothercare; POPULAR Bookstores; Toys "R" Us; Yamaha Music; Canadian Pizza Delivery; KFC Delivery; McDonald’s Delivery; Pizza Hut Delivery; Guardian; Unity NTUC Healthcare; Watsons; LEGOLAND® Malaysia Resort tickets. To enjoy the 5% cash rebate at designated merchants on your Maybank Family & Friends Platinum MasterCard, a minimum spend amount of S$500 per calendar month is required. Otherwise, the 0.3% cash rebate will apply.

Receive a set of American Tourister 31” and 20” luggage when you apply for Maybank Family & Friends Platinum MasterCard and CreditAble now! The annual fee of S$80 is waived for the Principal Card for the first year and when you spend a minimum of S$12,000 p.a. in subsequent years. Supplementary Cards are free.

Click here to Apply Now and we will direct you to the official card issuer's website.

CIMB Platinum MasterCard
Enjoy 0.5% cash rebate on local spend and 1% overseas, with no minimum spend and no monthly cap. What's more, the process is fast and convenient, with rebates automatically offset from your bill every month. Earn additional bonus 3.3% cash rebate on insurance, education and home furnishing and appliances. Simply spend a minimum of S$500 and you can enjoy a cash rebate of up to S$600 per year. To be eligible for the additional 3.3% cash rebate which is capped at S$50 per statement month, Cardmembers have to make at least 3 transactions and it must be posted within the same statement month. No annual fees for the Principal Cardmember, ever.
Click here to Apply Now and we will direct you to the official card issuer's website.

Conclusion
So, after looking at all these options, which of these cards do you think is ideal for your lifestyle and spending needs? Perhaps you can take a look at your credit card statements in the recent months to determine in which areas you spend most of your money on and how much on average are you spending each month to help you to decide. You can also consolidate and charge, your SP services, telco bills, town council conservancy charges and so on, to one card in order to earn rebates too.


Update @ 6 Nov 2014

American Express True Cashback Card
Enjoy 1.5% cashback anywhere 24/7 365 days.
As an welcome offer, you will enjoy 5% Cashback for the first 3 months (up to a total of $5,000 spending) plus a fee waiver for the first year. Also, receive a :
- S$50 AirAsia E-Gift Voucher for the first 3,000 approved applicants
- S$20 CapitaVoucher when you apply online
There is no minimum monthly spending as well as minimum spending per transaction required. There is also no cap on the amount of cashback you can earn.

Click here to Apply Now and we will direct you to the official card issuer's website.

Best Travel Credit Cards 2014

Each bank typically has a credit card that is very good for frequent travellers to accumulate KrisFlyer miles. However, depending on what you spend most of your money on, different credit cards will be suitable for you. 15,000 KrisFlyer miles gets you a round-trip ticket to Bali. 30,000 KrisFlyer miles gets you a round-trip ticket to Hong Kong. So, how can you start redeeming your tickets?

The ANZ Travel Visa Signature Card is very good if you are travelling to Australia or New Zealand and rewards you with 2.8 KrisFlyer miles for every S$1 spent in Australia and New Zealand and air tickets purchased from Qantas or Jetstar airlines. On all other spendings, you will get 1.4 KrisFlyer miles. However, there is a monthly cap of 14,000 Travel$ (equivalent to 14,000 KrisFlyer miles) per month which is equivalent to S$10,000 spending. If you are planning to spend more than S$10,000, you might want to consider other cards without a cap. What's more, you get 2,000 miles for the first S$500 spent. A minimum annual income of S$60,000 is required. You get 10,000 miles upon card renewal with card fees of S$200. Click here to Apply Now and we will direct you to the official card issuer's website.

The UOB Preferred American Express Platinum Card is perfect for foodies as it rewards card members with 10X UNI$ on local and overseas dining. 10UNI$ is equivalent to 4 KrisFlyer miles for every S$1 spent on dining. However, on other spending, you will earn 0.8 KrisFlyer miles per S$1 spent. Click here to Apply Now and we will direct you to the official card issuer's website.

For shopaholics who cannot get enough shoes, clothes and bags, with the Citi Rewards Visa / MasterCard, you will earn 10 Citi$ which is equivalent to 4 KrisFlyer miles for every S$1 spent both locally and overseas. This is capped at 120,000 Citi$ per year. On other spending, you will earn 0.4 KrisFlyer miles per S$1 spent. Click here to Apply Now and we will direct you to the official card issuer's website.

For those who prefer online shopping, DBS Woman's World MasterCard® Credit Card provides 10X DBS points equivalent to 4 KrisFlyer miles for every S$1 spent on online purchases. This is capped at S$2,000 spending per month (ie. 8,000 KrisFlyer miles) However, for local spend, only 0.4 KrisFlyer miles for every S$1 spent while 1.2 KrisFlyer miles will be rewarded for every S$1 spent overseas. Click here to Apply Now and we will direct you to the official card issuer's website.

UOB PRVI Miles Platinum American Express Card gives you 1.6 KrisFlyer miles for every S$1 of local spend and 2.5 KrisFlyer miles for every S$1 of overseas spend. A further 20,000 KrisFlyer miles will be awarded for S$50,000 spent in a year. Charge a min of S$500 on air tickets, hotel or package within 3 months prior to date of travel and get unlimited limousine rides to the airport. However, points expire in 2 years and minimum income qualification is S$80,000 per annum. Click here to Apply Now and we will direct you to the official card issuer's website.

The American Express KrisFlyer Gold Credit Card is good if you always buy your air tickets from Singapore Airlines. 5,000 bonus miles are awarded the first time you charge to the card. It rewards based on tiered spending. Earn 1 KrisFlyer mile for every S$1.60 spent on all your purchases in Singapore and abroad with your American Express Singapore Airlines KrisFlyer Gold Credit Card.
Earn 2 KrisFlyer miles for every S$1.60 spent on selected Singapore Airlines tickets purchased at singaporeair.com. You can accelerate your earn rate with the 50% + 50% KrisFlyer bonus miles programme. Simply charge S$5,000 or more to your Card in a calendar year and receive 50% more KrisFlyer miles. Earn an additional 50% KrisFlyer miles by increasing your spend to S$12,000 in a calendar year. This is equivalent to 1.25 KrisFlyer miles (or 2.5 KrisFlyer miles for purchases on SQ online) per S$1 spent. Enjoy hassle-free conversion as all KrisFlyer miles earned with the American Express Singapore Airlines KrisFlyer Gold Credit Card are conveniently credited directly into your KrisFlyer account. Click here to Apply Now and we will direct you to the official card issuer's website.

With The American Express KrisFlyer Ascend Credit Card, you get to earn 1 KrisFlyer mile for every S$1.20 spent on all your eligible purchases with your Card and receive a bonus of 5,000 KrisFlyer miles the very first time you charge to your Card. Earn 2 KrisFlyer miles for every S$1.20 (1.67 KrisFlyer miles for every S$1 spent) spent on selected Singapore Airlines tickets purchased at singaporeair.com and when you shop at KrisShop, in-flight or online. Spend a minimum of S$1,000 in a calendar month, and receive a bonus of 300 KrisFlyer miles for every additional S$500 you spend in the same month, with no cap to what you can earn. This is very attractive for those who intend to use this card as their main spending card. This card also allows you 4 complimentary access each year to any participating SATS Premier Lounge in Singapore and Plaza Premium Lounge around the world and rewards you with a complimentary night each year at one of over 80 participating Millennium Hotels and Resorts properties worldwide. Your KrisFlyer miles are transferred to your account directly with no conversion fees or charges.

Full Fee Offer ¹
- Pay an annual fee of S$256.80
- Earn 15,000 Bonus KrisFlyer miles when you spend S$5,000 in the first 3 months upon Card approval OR Earn 35,000 Bonus KrisFlyer miles when you spend S$10,000 and above in the first 3 months upon Card approval

First Year Fee Waiver Offer²- Get First Year Fee Waiver worth S$256.80
- Earn 3,000 Bonus KrisFlyer miles when you spend S$3,000 in the first 3 months upon Card approval OR Earn 6,000 Bonus KrisFlyer miles when you spend S$5,000 and above in the first 3 months upon Card approval

Click here to Apply Now and we will direct you to the official card issuer's website.

DBS Altitude American Express Card gives you 1.2 KrisFlyer miles for every S$1 of local spend and 2 KrisFlyer miles for every S$1 of overseas spend. Points never expire and there is no cap on spendings. The only gripe I have of the DBS programme is that it requires a minimum of 10,000 DBS Points to be converted to 20,000 KrisFlyer points which means a minimum spending of S$5,000 before any conversion is possible. That is, if you are looking to convert to KrisFlyer miles. Otherwise, the DBS points can be redeemed for shopping vouchers. The annual conversion fee of $42.80 allows you to make an unlimited no. of conversions in one year. Click here to Apply Now and we will direct you to the official card issuer's website.

Citi PremierMiles Visa Card has the same rewards as the DBS Altitude Amex Card but lower income qualifications of S$50,000 per annum versus S$80,000 for the latter. The PremierMiles card allows conversion at $25 at a minimum of 500 miles which makes it a lot more flexible than DBS. Citi Miles can be converted at over 70 airlines under KrisFlyer, Asia Miles, Royal Orchid Plus, SkyMiles, Executive Club, Enrich, Infinity MileageLands, Garuda Frequent Flyer and Etihad Guest frequent flyer programmes. You get 10,000 miles upon renewal of the card by paying annual fees of $192.60. If you wish to request for waiver of card fees, you will not get the bonus miles. Click here to Apply Now and we will direct you to the official card issuer's website.

 

The Maybank Horizon Visa Platinum Card promises 2 KrisFlyer miles for every S$1 spent on air tickets / travel packages and on overseas spend. On other spend, 0.4 KrisFlyer miles for every S$1 is earned. Conversion from points to miles is free. However, points are only valid for one year. There is free airport lounge access with a minimum of S$400 spent on air tickets / travel package a single transaction. Click here to Apply Now and we will direct you to the official card issuer's website.

In conclusion, the UOB PRVI Miles Platinum American Express Card is a big winner on both local and overseas spend, especially if you are a big spender. Otherwise, if income qualifications is a constraint, the Maybank Horizon Visa Platinum Card will work just as well for your occasional indulgence of a well deserved once a year overseas trip. If you do not mind holding 2 or more cards, you might be able to make use of the strengths of each card to your best advantage, bearing in mind the conversion charges that you have to incur on each conversion.

If you are planning the purchase of big ticket items like a car, home renovations or holding a wedding banquet, no harm considering the above and see which are the cards most suitable for your needs. In the process, you might end up with free air tickets for a holiday with your loved ones.