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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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card-summary

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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card-summary

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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card-summary

DCS Ultimate Platinum Card

Apply Here

Earn 2% cashback on almost everything

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card-summary

💳 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

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Citi Rewards

Get Dyson Airwrap Origin or S$450 Shopee Voucher or Hinomi H1 Pro V2 Ergonomic Office Chair or S$400 Cash via PayNow when you spend S$500 within 30 days of card approval

Valid till: July 31, 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 31, 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

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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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Citi Rewards

Get Dyson Airwrap Origin or S$450 Shopee Voucher or Hinomi H1 Pro V2 Ergonomic Office Chair or S$400 Cash via PayNow when you spend S$500 within 30 days of card approval

Valid till: July 31, 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 31, 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

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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

    DBS Altitude Card

    Miles:
    • Get 38,000 miles when you use the promo code: ALT38, pay the annual fee, and spend S$800 within 60 days from card approval date. 
    • Get 28,000 miles when you use the promo code: ALTW28, choose not to pay the annual fee, but must spend S$800 within 60 days from card approval
    • Valid until 31 August 2025
    • Read Terms and Conditions here
     
    Physical Gifts:
    • Get one of these gifts when you apply with the promo code and spend S$500 within 30 days from card approval:
    Gift
    Promo Code
    ErgoTune Vesby (worth S$899)
    SSJUL1
    Sony PlayStation® 5 Digital Slim (worth S$669)
    SSJUL2
    Dyson Digital Slim Submarine™ (worth S$699)
    SSJUL3
    Apple iPad 11″ (A16) Wi-Fi 256GB (worth S$649)
    SSJUL4
    S$500 eCapitaVoucher
    SSJUL5

    DBS Altitude Card

    • Earn 1.3 miles per dollar (3.25 DBS Points per S$5) spent locally, including bus and train rides and 2.2 miles per dollar (5.5 DBS Points per S$5) spent on overseas purchases in foreign currency with no minimum monthly spending required and no maximum spending cap
    • This comes with two complimentary lounge passes per 12-month membership period

     

    Annual Fee
    • S$196.20 (inclusive of GST), first year waived

     

    Income Requirement
    • S$30,000 (locals/PRs); S$45,000 (foreigners)

     

    Points Expiry
    • No expiry

     

    Know what this card is best for:

     

    Terms and Conditions

    Read Full Review

    DBS Woman’s World Card

    This card doesn’t offer any sign-up promotions. To make the most of your sign-up rewards, consider applying for the DBS Altitude card first. This is because you can combine points from both DBS cards, and the DBS Altitude card also includes two complimentary airport lounge passes.

    DBS Altitude Card

    Apply Here - Miles (Visa)
    Apply Here - Miles (AMEX)
    Apply Here - Physical Gifts

    Earn 1.3 miles per dollar on local spend and 2.2 miles per dollar on foreign currency spend

    2 Priority Pass visits per membership year (Visa version only)

    sign-up-deal
    card-summary

    DBS Woman’s World Card

    • Earn 4 miles per dollar (10X DBS points per S$5) spent online, regardless of local or foreign currency. Capped at S$1,500 spending per calendar month
    • Earn 1.2 miles per dollar (3X DBS Points per S$5) spent abroad in-store 
    • No minimum monthly spending required
    • Best used for online or in-app spend (e.g Kris+) locally

     

    Annual Fee
    • S$196.20, (First year waived)

     

    Income Requirement
    • S$80,000/year (The income requirement is arbitrary – I was approved for the card even though I didn’t meet that income threshold.)

     

    Points Expiry
    • 1 year from transaction (therefore you need to be able to earn miles fast or have multiple DBS points earning credit cards). Minimum redemption is 5,000 points (10,000 miles), leaving smaller amounts unusable (you can redeem mall vouchers, if you really need to.)

     

    Transfer Partners
    • KrisFlyer, Asia Miles, Qantas Frequent Flyer

     

    Know what this card is best for:

     

    Terms and Conditions

    Read Full Review

    uob ppv cardface

    UOB Preferred Platinum Visa

    NIL

    uob ppv cardface

    UOB Preferred Platinum Visa Card

      • Earn 4 miles per dollar on mobile contactless payments, online shopping, and entertainment, no minimum spend, capped at S$1,110 per calendar month
      • Earn 0.4 miles per dollar on other spendings
      • Can earn on specific online payments (specific MCCs only) and on the following mobile contactless (in-store) payment method:
        • Apple Pay
        • Google Pay
        • Samsung Pay (excluding MST)

       
      Annual Fee
      • S$196.20, first year waived

       

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

       

      Points Expiry
      • UNI$ are valid for 2 years, starting from the end of the quarter in which they were earned.

       

      Terms and Conditions

      Read Full Review