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Best Cards For Bus/Mrt Rides

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Miles Cards

UOB Lady Cardface

UOB Lady's Card

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Earn 4 miles per dollar on 1 or 2 chosen categories


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UOB Krisflyer Card

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Earn uncapped 3 miles per dollar on SIA group spend and 2.4 miles per dollar on dining, online shopping, transport & select travel with min. S$1,000 SIA spend/year.

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Cashback Cards

UOB One Card

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Earn at least 3.33% cashback on most local spend

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Maybank Family & Friends Card

Step 1: Apply Now
Step 2: Google Form

Earn 8% cashback for five of your chosen categories.


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DCS Flex Card

Apply Here

Earn up to 8% cash rebates (best value), 2.4 miles per dollar, or 8% investment credits

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DCS Ultimate Platinum Card

Apply Here

Earn 2% cashback on almost everything

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💳 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.

💡 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.

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lobangsis

Audz, your lobang sis shares personal finance to achieve happiness, prosperity and progress for us all.

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CREDIT CARDS SIGN UP DEALS

APPLY NOW

Citi Rewards

Get Dyson Airwrap Origin or S$450 Shopee Voucher or S$400 Cash via PayNow when you spend S$500 within 30 days of card approval

Valid till: July 8, 2025

APPLY NOW

HSBC Live+

Get Apple iPad (A16) 11" Wi-Fi 128GB or Dyson Airwrap™ Origin or S$390 Cash via PayNow when you spend S$500 by the end of the following calendar month + provide marketing consent

Valid till: July 6, 2025

APPLY NOW

Maybank Family & Friends

Get Samsonite ENOW SPINNER 69/25 EXP or S$200 cashback when spend S$1,300 within the first two months of card approval. Or, apply for CreditAble and spend S$1,200 within first two months of card approval.

Valid till: May 1, 2025

APPLY NOW

SC Simply Cash

Get S$360 Cash via PayNow when you spend a minimum of S$800 within 30 days of card approval

Valid till: July 31, 2025

Citi Rewards

Get Dyson Airwrap Origin or S$450 Shopee Voucher or S$400 Cash via PayNow when you spend S$500 within 30 days of card approval

Valid till: July 8, 2025

APPLY NOW

HSBC Live+

Get Apple iPad (A16) 11" Wi-Fi 128GB or Dyson Airwrap™ Origin or S$390 Cash via PayNow when you spend S$500 by the end of the following calendar month + provide marketing consent

Valid till: July 6, 2025

APPLY NOW

Maybank Family & Friends

Get Samsonite ENOW SPINNER 69/25 EXP or S$200 cashback when spend S$1,300 within the first two months of card approval. Or, apply for CreditAble and spend S$1,200 within first two months of card approval.

Valid till: May 1, 2025

APPLY NOW

SC Simply Cash

Get S$360 Cash via PayNow when you spend a minimum of S$800 within 30 days of card approval

Valid till: July 31, 2025

APPLY NOW

View all deals

Valid for new-to-bank credit cardholders or does not own any of the bank’s credit cards in the last 12 months, unless otherwise stated.

Gift confirmation are usually sent after you have completed rewards redemption form (sent to your email) & fulfilled qualifying spend within stipulated period.

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Copyright @lobangsis @ijusttrylah 2025
UOB Lady Cardface

UOB Lady’s Card

NIL

UOB Lady Cardface

UOB Lady’s Card

    • Earn 4 miles per dollar (10x UNI$ for every S$5 spent) on your preferred category
    • Earn 0.4 miles per dollar (1x UNI$ per S$5 spent) base earn rate
    • No minimum monthly spending required
    • Spending Cap:
      • Classic Card: S$1,000
      • Solitaire & Above Card: S$2,000 (wef 1 August 2025, this will be revised to S$1,500. Also, there will be a S$750 spending cap per category)

    Depending on what your planned usage is, you can change the categories every quarter. 

     

    Annual Fee
    • S$196.20 (incl. GST), waived for first year

     

    Income Requirement
    • S$30,000 (locals/PRs); S$40,000 (foreigners)

     

    Points Expiry
    • They expire 2 years after the final day of each periodic quarter in which they were earned
     
    Know what this cards is best for

     

    Terms and Conditions

    Read Full Review

    UOB Krisflyer Card

    NIL

    UOB Krisflyer Card

    • Earn uncapped 3 miles per dollar on SIA-related spend—Singapore Airlines, Scoot, KrisShop, and Kris+ purchases 
    • Earn 2.4 miles per dollar on eligible everyday spends with a minimum spend of S$1,000 on SIA-related spends in a card membership year
    • Earn 1.2 miles per dollar on all other purchases

     

    Annual Fee
    • S$194.40 (incl. GST), waived for first year

     

    Income Requirement
    • S$30,000 (locals/PRs); S$40,000 (foreigners)

     

    Know what this card is best for

     

    Terms and Conditions

    Read Full Review

    UOB One Card

    NIL

    UOB One Card

    • Tier 1 & 2: Spend either S$600 or S$1,000/month for 3 consecutive months, with at least 10 eligible transactions each month:

      • Base cashback:
        • S$600/S$1,000: 3.33% cashback (capped at S$60/100 per quarter)
      • Additional cashback (capped at S$120 per statement month):
        • Selected Partners: 5%
        • Grocery (MCC 5411): 2.67% – only for Tier 2

    • Tier 3: Earn up to 10% Total Cashback: Spend S$2,000/month for 3 consecutive months, with at least 10 eligible transactions each month:

      • Base cashback: 3.33% cashback (capped at S$200 per quarter)
      • Additional cashback (capped at S$120 per statement month):
        • Selected Partners: 6.67%
        • Grocery (MCC 5411): 4.67%

    Tier 1
    Tier 2
    Tier 3
    Minimum Spend
    S$600
    S$1,000
    S$2,000
    Minimum Transaction Count
    10
    10
    10
    Base Cashback per quarter
    3.33% (S$60 cashback)
    3.33% (S$100 cashback)
    3.33% (S$200 cashback)
    Additional Cashback on Selected Spends
    5%
    5%
    6.67%
    Additional Cashback on Grocery Spend New
    –
    2.67%
    4.67%
    Total
    up to 8.33%
    up to 8.33%
    up to 10%
    These changes will be effective from your next qualifying quarter (as of writing – 1 July 2025)
    • Earn up to 22.66% fuel savings at Shell and SPC
    • Earn 4.33% cashback on Singapore Power utilities bills

     

    Annual Fee
    • S$196.20, waived for the first year

     

    Income Requirement
    • S$30,000 (locals/PRs); S$40,000 (foreigners)

     

    When Cashback is Credited
    • The Quarterly Cashback for a given a quarter will be credited to the card account in the next statement month following the end of that quarter.

     

    Know what this card is best for:

     

    Terms and Conditions

    Read Full Review

    Maybank Family & Friends Card

    • Receive Samsonite ENOW SPINNER 69/25 EXP (worth S$570) as a new-to-bank customer, when you apply for a new Maybank Credit Card and charge a minimum of S$1,300 within the first two months of card approval. Alternatively, you may apply for CreditAble and a new Maybank Credit Card, and charge a minimum of S$1,200 within the first two months of card approval.
    • Fill up this google form after signing up to qualify for rewards
    • Read Terms and Conditions here

    Maybank Family & Friends Card

    • Earn 8% cashback for five (5) of your chosen spend categories across ten (10) options.
      • Each category has a cashback cap of S$25 (which would max out at S$312.50 of spending per category)
    • Earn bonus 8% cashback on Malaysian Ringgit or Indonesian Rupiah spends
    • Minimum spend of S$800
    • Each category has a cashback cap of S$25 (total of S$125 for 5 categories)
    • Earn unlimited 0.3% cash rebates on all spends below S$800

     

    Annual Fee
    • S$180 (First 3 years free)

     

    Income Requirement
    • S$30,000 (locals/PRs); S$60,000 (foreigners)

     

    How to choose my Categories
    • To choose your desired Categories, the Cardmember needs to download the Maybank TREATS SG mobile app, then select and confirm the categories on the Benefit Selection page. This choice will apply to the first Lock-In Period (3 months), and no changes can be made once confirmed; You can change the categories quarterly and you may choose depending on your spending needs. The categories will take effect the following month.

     

    Know what this card is best for

     

    Terms and Conditions

    Read Full Review

    DCS Flex Card

    NIL

    DCS Flex Card

    • You can choose from three (3) reward options: Miles, Cash Rebates, or Investment
    • Earn up to 2.4 miles per dollar
    • Earn up to 8% cash rebates
    • Earn up to 8% investment credits
    • Minimum monthly spend of S$600
    • Capped at:
      • Miles: 750 miles per category; total 3,000 miles for all 4 categories
      • Cash Rebates: S$25 per category, total S$100 for all 4 categories
      • Investment Credits: S$25 per category, total S$100 for all 4 categories

     

    Annual Fee
    • Monthly service fee of S$15, (first year waived; afterwhich, you can perform minimum 5 transactions per month to waive the monthly fee) – effective 1 July 2025, this will be decreased to S$10

     

    Income Requirement
    • S$30,000 (locals/PRs) or S$15,000 (aged 56 and above); S$60,000 (foreigners)

     

    Where and how will I receive the miles/cashback/investment credits
    • Miles are credited to your Miles holding account and can be transferred to your Krisflyer account in multiple of 5,000 miles. A conversion fee of S$25 (subject to GST) applies for each redemption request and the process make take up to 15 working days.
      • Here’s how to redeem:
        • Open the DCS Cards App and go to the Rewards Tracker screen
        • Tap “Redeem” or “Redeem Miles” on the Benefit History screen
        • Choose a redemption amount or enter a custom amount in multiples of 5,000 miles, then tap “Confirm.”
    • Cash Rebates will be credited on your card account in the following statement, applied to offset the billed amount.
    • Investment Credits will be deposited to your designated iFast account on the following month.
     
    Know what this card is best for


    Terms and Conditions
    Read Full Review

    DCS Ultimate Platinum Card

    NIL

    DCS Ultimate Platinum Card

    • Earn 2% cashback with no minimum spend required and a maximum monthly spend of S$10,000 per calendar month
     
    Annual Fee
    • S$196.20 (inclusive of GST), first year waived
     
    Income Requirement
    • S$30,000 or S$15,000— age 55 & above (locals/PRs); S$60,000 (foreigners)
     
    Know what this card is best for

    Terms and Conditions

    Read Full Review

    Mari Credit Card

    • Get up to 10% Welcome Cashback when you spend S$300 on Eligible Transactions within 30 days of card approval
    • You must be among the first 500,000 New Mari Credit Card Holders
    • Must be a new-to-bank customer
    • Valid until 31 December 2025
    • Read Terms and Conditions here

    Note: Shopee purchases via Mari Credit Card Instant Checkout is not eligible for the reward

    Mari Credit Card

    • Earn 3% Unlimited Shopee Coins with Mari Credit Card Instant Checkout (until 31 December 2025 only)
    • Earn 1.7% Unlimited Cashback on eligible card spend
    • No minimum monthly spend requirement and no maximum cashback cap

     

    Annual Fee
    • None

     

    Income Requirement
    • S$30,000 (Singaporeans or PR)

     

    When is Cashback Credited
    • It will automatically offset against the billed amount in the upcoming Card Account Statement cycle

     

    1.7% Cashback Terms and Conditions

    3% Shopee Coins

    3% Overseas Spend

    Read Full Review

    UOB PRVI Card

    NIL

    UOB PRVI Card

    • Earn 1.4 miles per dollar for local spending
    • Earn up to 3 miles per dollar for overseas spending (including online shopping and overseas websites)
      • 3 miles per dollar on selected currencies:
        • Malaysian Ringgit
        • Indonesian Rupiah
        • Thai Baht
        • Vietnamese Dong
      • 2.4 miles per dollar on other currencies
    • Earn up to 6.6 miles per dollar when you spend on major airlines and hotels worldwide via special landing pages UOB x Agoda and UOB x Expedia (this may be more costly)
    • One-way Airport Transfer Service for AMEX Version only
    • S$20 off Grab rides to/fro Changi Airport for Visa/Mastercard Version only

     

    Annual Fee
    • S$261.60, first year waived
     
    Income Requirement
    • S$30,000 (locals/PRs); S$40,000 (foreigners)
     
    Points Expiry
    • UNI$ expire two (2) years after the last day of the quarter in which they were earned.

     

    Know what this card is best for

     

    Terms and Conditions

    Read Full Review