Updated 2026 Strategy
The Elite Miles Cards
The definitive "Best Cards" list to maximize your miles accrual in Singapore. Categorized by highest earning multipliers and strategic utility.
RANK#1
DBS yuu Card
- Min. spend S$800/month
- Must spend at 4+ unique yuu merchants
Max Earn Rate
10 mpd
Applicable Categories
yuu merchants (Giant, Cold Storage, 7-Eleven, Gojek, foodpanda)Public Transport (SimplyGo)
Monthly Bonus Cap:S$800 per calendar month
RANK#2
OCBC Rewards Card
- 6 mpd promo ends 31 Mar 2026 (reverts to 4 mpd)
Max Earn Rate
6 mpd
Applicable Categories
Shopee, Lazada, TaobaoTikTok Shop, Watsons
Monthly Bonus Cap:S$1,000 per calendar month
RANK#3
Citi Rewards Card
- Strictly excludes all Travel (airlines, hotels)
- Do NOT use with mobile wallets (Apple/Google Pay)
Max Earn Rate
4 mpd
Applicable Categories
All online transactionsOffline shopping/apparel
Monthly Bonus Cap:S$1,000 per statement month
RANK#4
DBS Woman's World Card
- Points expire in 1 year
- Requires S$80k annual income
Max Earn Rate
4 mpd
Applicable Categories
All online transactions (including Travel)
Monthly Bonus Cap:S$1,000 per calendar month
RANK#5
HSBC Revolution Card
- Travel promo rate ends 31 Mar 2026
- Excludes Fast Food (MCC 5814)
Max Earn Rate
4 mpd
Applicable Categories
DiningOnline ShoppingTravel (Airlines/Hotels)
Monthly Bonus Cap:S$1,500 per calendar month
RANK#6
UOB Preferred Platinum Visa
- No bonus for physical card taps
- S$5 earning blocks (rounds down)
Max Earn Rate
4 mpd
Applicable Categories
Mobile Contactless (Apple/Google Pay)Selected Online (Food delivery, Groceries)
Monthly Bonus Cap:S$1,200 (S$600 Contactless + S$600 Online)
RANK#7
UOB Lady's Solitaire Card
- Earn 6 mpd if you maintain S$10k in a UOB Lady’s Savings Account
- Must pre-select categories quarterly
Max Earn Rate
4 mpd
Applicable Categories
Choice of 2 categories (e.g., Dining, Travel, Fashion)
Monthly Bonus Cap:S$1,500 (S$750 per category)
RANK#8
UOB Visa Signature Card
- Must hit min. spend S$1,000/statement month to trigger bonus
- S$5 earning blocks
Max Earn Rate
4 mpd
Applicable Categories
Mobile ContactlessForeign Currency (FCY) spendPetrol
Monthly Bonus Cap:S$2,400 (S$1,200 Contactless/Petrol + S$1,200 FCY)
RANK#9
Maybank XL Rewards Card
- Min. spend S$500 per calendar month required
Max Earn Rate
4 mpd
Applicable Categories
DiningShoppingTravelForeign Currency (FCY)
Monthly Bonus Cap:S$1,000 per calendar month
RANK#10
KrisFlyer UOB Credit Card
- Requires min. S$1,000 annual spend on SIA/Scoot to unlock 3 mpd
Max Earn Rate
3 mpd
Applicable Categories
SIA Group, Scoot, Kris+Dining, Online Shopping, Travel, Transport
Monthly Bonus Cap:Uncapped