A big electronics purchase — a laptop, a phone, a new TV — is one of the trickiest things to earn rewards on, because it usually lands as one large receipt that runs past your card’s monthly bonus cap. So I went through all the cards to find which ones actually earn on electronics, and where: the same laptop can earn 4 miles per dollar (mpd) bought one way and only its base rate bought another.
Highest Earn Rate goes to... DBS yuu at Singtel stores
The single highest rate on an electronics buy comes from DBS yuu — but only if you buy your phone or electronics from Singtel. Singtel Shop and Singtel Exclusive Retailers are yuu partner merchants, so a phone bought there earns up to 18% cashback or 10 miles per dollar, with a minimum S$800 spend across at least four different yuu merchants in the month. You’ll want to pay in full, since a 0% instalment plan earns nothing on it. That matters because phones are so often sold on Singtel instalment.
- You qualify if: you have no DBS/POSB credit card right now, AND haven't cancelled any DBS/POSB credit card in the last 12 months
- Enter promo code SINGSAVER during application
- 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.
Miles Credit Cards
| Card | Earn Rate | Min Spend & Cap | How to Pay |
|---|---|---|---|
 HSBC Revolution | 4 mpd on electronics stores; 8 mpd if you hold S$50,000 in a sole HSBC Everyday Global Account | Min: none · Cap: S$1,000 spend/calendar month (S$1,200 at the 8 mpd tier) | Online or mobile wallet; avoid card chip insert payment method |
 DBS Woman’s World | 4 mpd on online spend — Lazada, Shopee, Amazon.sg, Apple.com, retailer web stores | Min: none · Cap: S$1,000 online spend/calendar month | Online only |
 Citi Rewards | 4 mpd on online spend — electronics isn’t in its in-store bonus list | Min: none · Cap: 9,000 bonus points/statement month (S$1,000 of spend) | Online only |
 OCBC Rewards | 4 mpd via its online-marketplace & department-store whitelist (Lazada, Shopee, Amazon, Taobao, Mustafa Centre) — standalone electronics stores (Courts, Best Denki, Challenger) earn only 0.4 mpd | Min: none · Cap: 10,000 bonus OCBC$/calendar month (about S$1,110 of spend) | Online, or in-store at Mustafa Centre & department stores |
 KrisFlyer UOB | 2.4 mpd on online shopping, uncapped — but its T&C defines “online shopping” as fashion sites, so electronics earns reliably only through Lazada, Shopee or Qoo10 (named in the terms); a standalone electronics retailer like Courts or Challenger may not qualify | Min: S$1,000/membership year on SIA-group spend to unlock · Cap: none | Online only |
 UOB Preferred Visa | 4 mpd on department stores & retail category | Min: none · Cap: S$600/category/month | Online, in-app or mobile wallet |
 UOB Visa Signature | 4 mpd on contactless spend (physical card tap, mobile wallet or SimplyGo) — local online electronics earns 0.4 mpd base, not the bonus | Min: S$1,000 contactless (or petrol + contactless combined) spend/statement month · Cap: S$1,200 spend/statement month | In-store contactless tap only — use mobile wallet for a big-ticket buy (card payWave has a per-tap limit); online electronics doesn’t qualify |
My Take:
HSBC Revolution is the simplest pick — it earns 4 mpd whether you buy online or tap in-store, within its S$1,000 cap. DBS Woman’s World and Citi Rewards also earn 4 mpd within their own S$1,000 caps, online only. OCBC Rewards matches that 4 mpd, but only through its named marketplaces — Lazada, Shopee, Amazon, Taobao — or a department store; buy at a dedicated electronics shop like Courts and it drops to 0.4 mpd, so it’s narrower than the cards above. KrisFlyer UOB earns less per dollar at 2.4 mpd, but it’s the only uncapped card here, so on a big online buy it overtakes the capped 4 mpd cards. The catch: its “online shopping” bonus is written around fashion sites, so for electronics you can only count on it through Lazada, Shopee or Qoo10 — a standalone shop like Courts may not code as eligible. You also need S$1,000 of Singapore Airlines-group spend in the year to switch the rate on.
UOB Preferred Visa works differently: it earns 4 mpd on mobile contactless taps AND on selected online transactions in its Department & Retail Stores category, but each channel has its own S$600 cap — S$1,200 combined only if you use both. If you tap your phone at a store, it draws from the contactless cap; if you buy the same item on a website instead, it draws from the online cap, leaving the other free for the rest of the month’s spending. You can refer to the UOB Preferred Visa review for more details. UOB Visa Signature is a second in-store option at 4 mpd on contactless taps, but only if you already run S$1,000 or more of contactless spend a month.
Latest Sign Up Deals:
- You qualify if: you have no HSBC credit card right now, AND haven't cancelled any HSBC credit card in the last 12 months
- Spend min. S$500 by the end of the month after you're approved. Example: approved in May → spend by 30 June.
- During the application, tick the box to receive marketing messages from HSBC. Don't unsubscribe until your gift arrives — if you do, HSBC can cancel the reward.
- 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.
- 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 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.
- 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.
- 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.
Cashback Credit Cards
| Card | Earn Rate | Min Spend & Cap | How to Pay |
|---|---|---|---|
 UOB EVOL | 10% on online or mobile-contactless spend | Min: S$800/statement month · Cap: S$30/statement month (S$300 of bonus spend maxes it) | Online or mobile wallet — a physical card tap in-store earns base rate only |
| OCBC FRANK | 8% on online or mobile-contactless spend | Min: S$800/calendar month · Cap: S$25/category/month (S$312.50 of bonus spend maxes it) | Online or mobile wallet — a physical card tap in-store earns base rate only |
 DCS Flex | 6% on online spend and 6% on contactless spend — physical card tap counts, not just mobile wallet | Min: S$600/statement month · Cap: S$25/category/month each for online and contactless (S$417 maxes each; S$833 combined across both) | Online or contactless |
 DBS LiveFresh | 6% on Shopping spend — covers electronics MCCs | Min: S$800/calendar month · Cap: S$50/calendar month (S$877.19 of bonus spend maxes it) | All |
 HSBC Advance | 1.5% on all spend; 2.5% once total monthly spend passes S$2,000 (retroactive to the whole month) | Min: none · Cap: S$70/calendar month (S$2,800 of monthly spend maxes it) | All |
My Take:
The first 3 cards (UOB Evol, OCBC Frank, DCS Flex) are worth it only if the card is already your main card — each needs a monthly minimum, and the caps are small (S$25–S$50 a month), so no single one of these cards gets you meaningful cashback on one category; you’d need to run other bonus categories on one card to optimse the cashback. For UOB EVOL and OCBC FRANK specifically, online and mobile-contactless spend draw from the same cap, not two separate ones — so other online shopping or contactless taps that month eat into the same S$30 or S$25 before your electronics purchase does. Both also need a mobile wallet tap for the bonus in-store; a physical card tap only earns the base rate. DCS Flex is the exception: online and contactless are separate categories, so using both channels in the same month earns bonus cashback on up to S$833 combined instead of S$417 through one channel alone. DBS LiveFresh gives you 6% on Shopping spend and maxes out its S$50 cashback cap at S$877.19 of spend. HSBC Advance is the simplest of the five: 2.5% once your total spend passes S$2,000 in a month, no need to track payment method or merchant category. You hit the S$70 cap at S$2,800 of spend.
Latest Sign Up Deals:
- 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 DBS/POSB credit card right now, AND haven't cancelled any DBS/POSB credit card in the last 12 months
- Enter promo code SINGSAVER during application
- 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.
- You qualify if: you have no HSBC credit card right now, AND haven't cancelled any HSBC credit card in the last 12 months
- Spend min. S$500 by the end of the month after you're approved. Example: approved in May → spend by 30 June.
- During the application, tick the box to receive marketing messages from HSBC. Don't unsubscribe until your gift arrives — if you do, HSBC can cancel the reward.
- SingSaver will email you a Rewards Redemption Form — check inbox (and spam folder) after applying. Fill it in within 14 days to claim your gift, or you'll lose it.
Big-Ticket Buys: the Uncapped Cards
| Card | Earn Rate | Min Spend & Cap | How to Pay |
|---|---|---|---|
 Citi SMRT | 5% back in SMRT$ on qualifying online spend | Min: S$500/statement month · Cap: SMRT$600 per 12-month card year (about S$12,000 of annual spend) | Online |
 UOB Absolute Cashback | 1.7% cashback on all spend | Min: none · Cap: none | All |
 OCBC INFINITY Cashback | 1.6% cashback on all spend | Min: none · Cap: none | All |
 Citi Cash Back+ | 1.6% cashback on all spend (base rate) | Min: none · Cap: none | All |
 Amex True Cashback | 1.5% cashback on all spend; 3% on the first S$5,000 within 6 months of card approval | Min: none · Cap: none | All |
 Mari Credit Card | 1.5% cashback on local SGD spend | Min: none · Cap: none | All |
 Trust Cashback | 1% cashback on all spend | Min: none · Cap: none | All |
My Take
Citi SMRT’s 5% back in SMRT$ is the biggest payout on online purchases, but it draws from a SMRT$600 annual cap — about S$12,000 of spend a year across all its 5% categories, not just electronics. The SMRT Dollars can be exchanged to cash to offset your next credit card bill, useful for a large one-off purchase like a fridge or washer for a new home. It only earns on online purchases — some readers report Courts online checkout does not track the 5% correctly. If that cap is already used up, or you want a card with no cap to track, five cards earn on any amount with no cap at all: UOB Absolute Cashback (1.7%) and Amex True Cashback (1.5%, or 3% on the first S$5,000 within 6 months of approval) both run on the Amex network, so check the retailer accepts Amex before you rely on either. OCBC INFINITY, Citi Cash Back+ (1.6% each) and Mari Credit Card (1.5% on local spend) run on Mastercard/Visa instead, with wider acceptance.
Latest Sign Up Deals:
- 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 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.
- 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 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.
- Eligible for new main Citi Cardmembers only (no existing Citi card, no Citi card closed in the past 12 months)
- Spend S$4,000 in the first 2 months of card approval
- 8% = 1.6% base (no cap) + 6.4% bonus on the first S$4,000 of qualifying spend (bonus capped at S$256)
- 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.
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- 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
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- 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
Other Known Hacks:
Buying Through The Kris+ App
You can also buy through the Kris+ app at electronics retailers like iStudio to route the spend through a different card — see my Best Cards for Kris+ guide under “All Spends”. These are the safest cards to use.
Buying Through HeyMax Vouchers
You can also buy vouchers via HeyMax to stack extra Max Miles on top of whatever your card already earns. I’ll write a full article on this soon.
Splitting a Big Buy Under the Cap
Sometimes, the electronic purchase exceeds the cap in a month on a single miles or cashback credit card. Therefore, splitting the purchase through Atome (more on that later) allows you earning miles or cashback on the full amount to get under the spend cap.
You just need to take note of three things:
- The card must be an eligible card that earns on Atome — the charge posts under Atome’s own merchant category (5999), not the shop’s.
- You need to trigger the second and third payments yourself in the Atome app each month, rather than letting Atome auto-deduct them.
- Put it through Atome’s Pay in 3 Months, not 6 or 12 months, to avoid any atome fees.
My full list of cards and the exact steps are in my Best Cards for BNPL Platforms guide.
Conclusion:
The right card for a big electronics buy comes down to where you’re buying and how much. For a phone from Singtel, DBS yuu is the clear winner. Buying online under S$1,000, HSBC Revolution, DBS Woman’s World or Citi Rewards give you 4 mpd; for a single purchase past S$1,000, KrisFlyer UOB’s uncapped 2.4 mpd on Lazada, Shopee or Qoo10, or Citi SMRT’s 5%, pull ahead. In-store, reach for HSBC Revolution, UOB Preferred Visa or UOB Visa Signature on contactless. If you’d rather earn cashback, the small-cap cards only pay off as your main card — otherwise a flat 1.5% to 1.7% uncapped card earns with no tracking. And whatever you pick, if the price runs past your card’s monthly cap, split it through Atome so the whole amount still earns.
💳 Credit cards change their T&Cs every so often and it’s difficult to stay updated. That’s why I created a Telegram Broadcast where you can receive timely bite-sized updates.
