This page is where I park my favourite credit cards, so you don’t have to dig through comments, DMs, or 20 videos trying to remember “eh which card was that ah?”
I’ll show you how to navigate this page properly before we even talk cards.
Every card on this page follows the same structure. Here’s how to use it 👇
1️⃣ Check the Sign-Up Deal
This tells you:
- what reward you’ll get
- how much you need to spend & fill which form
- by when
⚠️ Please read this part properly. Most people lose rewards because they don’t hit the conditions.
2️⃣ Click the Card Summary
This is a very short, skimmable overview:
- what the card is best for
- what NOT to use it for
- any important caps or exclusions
Perfect if you hate long reviews.
3️⃣ Read the Full Review (Optional)
Inside the Card Summary, you can get the full review.
Only if you want deeper context:
- What my optimisation strategy is for the card
4️⃣ Apply When You’re Ready
Once you’re confident, click the Apply link below and follow the sign-up instructions exactly.
Highest Rewards Card
This is the card I label as “highest rewards”, and yes — preferrably DBS yuu Amex, because you can use the AMEX version at Singtel kiosks, not the Visa version.
Important: If you want this card, you should get the yuu app to receive 2,000 points.
KWMLISBL
- Download the yuu app from the App Store or Google Play
- Enter the referral code KWMLISBL during sign-up
- Receive 2,000 yuu points after registration
Online Spend (Excluding Flights & Hotels) - Citi Rewards Card
Typically, the SingSaver promo is the better one. But the direct bank promotion gives you miles and you don’t need to hassle with the sign up rewards.
Best for Online Flights & Hotels - DBS Women’s World Mastercard (WWMC)
DBS WWMC does not come with any sign up bonuses. Therefore, you should sign up for DBS Altitude first to maximise your sign up rewards. Both cards’ points can pool together and therefore, will not pose any issues.
Best for Overseas Spend - Mari Credit Card
2OJA50ZV
- Download the app from the App Store or Google Play
- Copy the referral code above and enter into the app when prompted
- Sign up with your details
Best for Contactless Spend - UOB Preferred Visa (Preferred Visa)
UOB Preferred Visa typically has no sign up rewards. Therefore, I highly recommend to apply for UOB Lady’s first to maximise the sign up rewards. Both cards’ points can pool together and therefore, will not pose any issues.
Requirements (tap to expand)
- 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.
For ALL the cards that I use currently, watch this Youtube Video.
Final Reminder (Please Read This)
No single card is “the best”.
The best card is the one that:
- matches your spending
- fits within caps
- you can actually manage
Use:
- card summaries for quick decisions
- full reviews if you want depth
- sign-up deals to avoid losing rewards
And if you ever feel lost — just ask a question on telegram channel.
This is my “home base” for everything credit cards 💳✨
