If you’re already spending on dining or shopping, you really need to check out Kris+ — Singapore Airlines’ lifestyle rewards app. It lets you earn KrisFlyer miles on everyday purchases, with no conversion fees and 1:1 transfers to your KrisFlyer account.
Stack Rewards Like a Pro
The best part? You can double dip by linking Kris+ to your credit card. That means you earn KrisFlyer miles through Kris+, plus cashback or miles from your credit card — all from the same transaction.
Yes, it’s a true double dip. And who doesn’t love that?
How a Kris+ Payment Reaches Your Card
A payment via Kris+ is registered as:
- an online transaction
- mobile wallet payment (so from the app, you will be led to pay via Apple Pay or Google Pay)
- processed with a merchant category code (MCC) based on the actual store (as if you paid in-person)
So, choosing a card that rewards Kris+ transactions, online spending, or that specific MCC is quite important.
Two things to note. Bank-issued American Express cards can’t be added to Apple Pay or Google Pay, so they can’t be used on Kris+ at all. And MCCs vary between merchants, so test with one small payment before you rely on a card for larger spend.
How to Link Your Credit Card to Kris+
- Download the Kris+ app using this referral link and enter the code Y066895 to get 500 KrisPay miles (worth S$5)
- Link your credit card via Apple Pay or Google Pay within the app
- When paying, select Apple Pay or Google Pay and use your linked card
Best Miles Cards for Kris+
| Card | Earn Rate | Min Spend & Cap | Where It Works on Kris+ | |
|---|---|---|---|---|
 KrisFlyer UOB | 3 mpd* | Min: none Cap: none | Every Kris+ partner | |
| Earn Rate: 3 miles per dollar (mpd) on Kris+ payments | ||||
 DBS Woman's World | 4 mpd* | Min: none Cap: S$1,000/calendar month | Every Kris+ partner | |
| Earn Rate: 4 mpd (online spend) | ||||
 HSBC Revolution | 4 mpd* | Min: none Cap: S$1,000/calendar month (S$1,200 at 8 mpd) | Dining and shopping — but not fast-food outlets | |
| Earn Rate: 4 mpd (online spend); 8 mpd if you keep an average daily balance of S$50,000 in an HSBC Everyday Global Account | ||||
 UOB Lady's | 4 mpd* | Min: none Cap: Classic: S$1,000/calendar month on your one category. Solitaire: S$750/calendar month on each of your two categories | Dining or fashion (department stores and apparel) — one category, locked for the quarter; not electronics | |
| Earn Rate: 4 mpd on your chosen category. Classic: one category. Solitaire: two categories | ||||
 Maybank XL Rewards | 4 mpd* | Min: S$500/month Cap: S$1,000/calendar month | Dining and shopping partners — not electronics; age 21 to 39 at application | |
| Earn Rate: 4 mpd on dining, shopping, travel and entertainment; 0.4 mpd on everything else | ||||
 Citi Rewards | 0.4 mpd* | Min: none Cap: S$1,000/statement month | Only via Amaze | |
| Earn Rate: 0.4 mpd on its own; 4 mpd paired with Amaze (Amaze charges 1% on SGD spend, minimum S$0.50 a transaction) | ||||
 OCBC Rewards | 4 mpd* | Min: none Cap: about S$1,111/calendar month | Fashion and department stores only — not dining, not electronics | |
| Earn Rate: 4 mpd at fashion and department stores; 0.4 mpd on dining and electronics. The 6 mpd is a separate boost on Lazada, Shopee, Taobao, TikTok Shop and Watsons only, so it does not apply on Kris+ | ||||
 UOB Preferred Visa | 4 mpd* | Min: none Cap: S$600/calendar month, counted against its online cap | Dining and shopping — selected categories only | |
| Earn Rate: 4 mpd (online spend) | ||||
* rate depends on certain conditions — tap the row for the full wording.
mpd = miles per dollar.
My Take
Below that S$1,000, DBS Woman’s World is the better pick until you hit the cap and it’s a good all-rounder online spending card that earns every retailer on Kris+. HSBC Revolution gives up to 8 mpd but only at dining and retail partners, but not all Kris+ retailers as it gives bonus on a fixed list of category codes.
KrisFlyer UOB is the clear winner once your Kris+ spend passes S$1,000 a month, because it is the only card here with no cap at all. The catch: Kris+ spend doesn’t count towards the S$1,000 of Singapore Airlines, Scoot and KrisShop spend that unlocks the card’s other bonus rates.
UOB Lady’s will only work on Kris+ dining or fashion category, depending on which category you choose for the quarter.
Citi Rewards does not earn on Kris+ on its own. In-app mobile payments sit on its exclusion list, so it drops to 0.4 mpd. To get 4 mpd you have to pair it with Amaze, and Amaze charges 1% or a minimum of S$0.50 per local transaction — so it isn’t worthwhile below about S$50 a transaction. OCBC Rewards works directly, but only at the retail partners: its bonus list has no dining category at all.
Best Cashback Cards for Kris+
| Card | Earn Rate | Min Spend & Cap | Where It Works on Kris+ | |
|---|---|---|---|---|
 UOB EVOL | 10%* | Min: S$800/statement month Cap: S$30/month | Every Kris+ partner | |
| Earn Rate: 10% on online spend — max effective cashback rate is 6.36% at S$800 spend | ||||
 DCS Flex | 6%* | Min: S$600/statement month Cap: S$25 per category, S$100/month total | Every Kris+ partner | |
| Earn Rate: 6% on online spend (the 8% is foreign currency only) | ||||
 Maybank Family & Friends | 6%* | Min: S$800/month for 6%, S$1,600 for 8% Cap: S$20 per category at 6%, S$30 at 8% | Dining only — pick it as one of your 5 categories | |
| Earn Rate: 6% at Tier 1, 8% at Tier 2, on the categories you pick | ||||
Maybank XL Cashback | 5%* | Min: S$500/month Cap: S$80/month (5% of S$1,600) | Dining and shopping partners — not electronics; age 21 to 39 at application | |
| Earn Rate: 5% on dining, shopping, travel and entertainment; 0.2% on everything else | ||||
 Citi Cash Back | 6%* | Min: S$800/statement month Cap: S$80/month | Dining only | |
| Earn Rate: 6% on dining; 0.2% on shops | ||||
 OCBC 365 | 5%* | Min: S$800/calendar month (S$1,600 for the higher cap) Cap: S$80/month (S$160) | Dining only — and not fast-food outlets | |
| Earn Rate: 5% on dining; base rate on shops | ||||
* rate depends on certain conditions — tap the row for the full wording.
My Take
Every cashback card here carries a minimum spend, so these only work if the card is already your main card.
UOB EVOL and DCS Flex are the ones to use if it’s already your usual spending card and it is eligible for cashback for all Kris+ retailers.
Citi Cash Back is the simplest pick for dining via Kris+ at 6%, if you are already putting S$800 a month through it. OCBC 365 gives 5% and pairs with the OCBC 360 Account.
Maybank Family & Friends pays 6-8% and Kris+ has to fall inside one of the five categories you select.
Latest Sign Up Deals
Each offer sets its own conditions: a minimum spend, a deadline, and for some, a redemption form to return. Open Details for the full steps on that card. The gift is paid only when every condition is met.
- You qualify if: you have no UOB credit card right now, AND haven't cancelled any UOB credit card in the last 12 months
- Spend min. S$500 within the first 30 days from card approval
- SingSaver will email you a Rewards Redemption Form — check inbox (and spam folder) after applying. Fill it in within 14 days to claim your gift, or you'll lose it.
- You qualify if: you have no UOB credit card right now, AND haven't cancelled any UOB credit card in the last 12 months
- Spend min. S$500 within the first 30 days from card approval
- SingSaver will email you a Rewards Redemption Form — check inbox (and spam folder) after applying. Fill it in within 14 days to claim your gift, or you'll lose it.
- Apply for XL Cashback or XL Rewards Card via the button
- Fill the Google Form after signing up
- Make one transaction → cashback auto-credited to card account
- You qualify if: you have no Citibank credit card right now AND haven't cancelled any Citi credit card in the last 12 months
- Spend min. S$500 within 30 days of card approval
- SingSaver will email you a Rewards Redemption Form — check inbox (and spam folder) after applying. Fill it in within 14 days to claim your gift, or you'll lose it.
The two routes are alternatives — you get one offer, not both.
- Eligible for new main Citi Cardmembers only (no existing Citi card, no Citi card closed in the past 12 months)
- Spend S$800 in the first 2 months of card approval
- You qualify if: you have no OCBC credit card right now, AND haven't cancelled any OCBC credit card in the last 12 months
- Spend min. S$400 within 30 days of card approval
- SingSaver will email you a Rewards Redemption Form — check inbox (and spam folder) after applying. Fill it in within 14 days to claim your gift, or you'll lose it.
- You qualify if: you have no UOB credit card right now, AND haven't cancelled any UOB credit card in the last 12 months
- Spend min. S$500 within the first 30 days from card approval
- SingSaver will email you a Rewards Redemption Form — check inbox (and spam folder) after applying. Fill it in within 14 days to claim your gift, or you'll lose it.
- Apply for a new Maybank Credit Card (not applicable for Maybank XL cards)
- Charge min. S$1,300 within the first 2 months of card approval
- Fill the Google Form after signing up
- Alternative: apply for CreditAble + a Maybank Credit Card, then charge min. S$1,200 within 2 months
- Apply for XL Cashback or XL Rewards Card via the button
- Fill the Google Form after signing up
- Make one transaction → cashback auto-credited to card account
- You qualify if: you have no Citibank credit card right now AND haven't cancelled any Citi credit card in the last 12 months
- Spend min. S$500 within 30 days of card approval
- SingSaver will email you a Rewards Redemption Form — check inbox (and spam folder) after applying. Fill it in within 14 days to claim your gift, or you'll lose it.
The two routes are alternatives — you get one offer, not both.
- Eligible for new main Citi Cardmembers only (no existing Citi card, no Citi card closed in the past 12 months)
- Spend S$800 in the first 2 months of card approval
- You qualify if: you have no OCBC credit card right now, AND haven't cancelled any OCBC credit card in the last 12 months
- Spend min. S$400 within 30 days of card approval
- SingSaver will email you a Rewards Redemption Form — check inbox (and spam folder) after applying. Fill it in within 14 days to claim your gift, or you'll lose it.
Conclusion
Kris+ is a powerful way to earn extra KrisFlyer miles on everyday spending—especially when paired with the right credit card. By understanding how payments are processed and choosing cards that reward mobile wallet, online, or specific MCCs, you can double dip and unlock serious value from your dining and shopping habits. Just be mindful of card exclusions and make sure your setup qualifies for the bonus rewards!
💡 We believe in always paying our credit card bills on time and in full. It is only by doing that, can we fully maximise our credit card benefits.
💳 Credit cards change their T&Cs every so often and it is difficult to stay updated. That’s why I created a Telegram Broadcast where you can receive timely bite-sized updates to get the most out of your spending.
