Overview:
Using your credit card to pay for hotel booking is indeed a wise choice. By using your credit card, you are managing your finances while still being able to enjoy it without worrying about the immediate cost. Plus, many hotels offer special deals or discounts for credit card users, like complimentary stays so you get definitely get more value for your money. Also, many credit cards offer points convertible into hotel bookings. In short, using a credit card gives value for money and makes your hotel experience all the more convenient.
Hotel Bookings are usually under these MCCs:
- MCC 3500-3999 (major hotel chains)
- MCC 7011 (other small hotels and AirBnB)
- MCC 4722 (Travel Agencies & Tour Operators)
Payments in SGD and Foreign Currency:
UOB Lady's Card
Earn 4 miles per dollar on 1 or 2 chosen categories
Payments Via Alternative Methods To Earn Max Rewards:
Payments in Foreign Currency Only:
Maybank World Mastercard
Earn 4 miles per dollar on selected petrol stations islandwide and up to 3.2 miles per dollar on foreign currency spend
UOB PRVI Card
Earn 1.4 miles per dollar on local spend and up to 3 miles per dollar on foreign currency spend
4 Priority Pass visits per calendar year
Payments Via Atome (Booking on Agoda/Trip.com) Only
HSBC Revolution Card
Earn 4 miles per dollar on selected online and contactless spend (until 28 February 2026)
Another great option for hotel bookings is the UOB Visa Signature card, which offers 4 miles per dollar on both SGD and foreign currency (FCY) payments. For SGD transactions, you must pay in person via contactless payment (such as tapping at the hotel or flight counter terminal) to earn the bonus miles. FCY transactions have no such restrictions and can be made in person, via contactless, or online. To qualify for the 4 miles per dollar rate, you’ll need to spend at least S$1,000 per month, with a cap of S$2,000 monthly.
Conclusion:
If you’re looking for the highest earn rate, both the DBS Woman’s World Mastercard and UOB Lady’s Card offer a competitive 4 miles per dollar, making them solid options for consistent, high-value rewards.
💳 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.
