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:
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
- This is a timed flash deal. Only the FIRST 3 persons to submit a valid application at 2PM or 10PM SGT wins the top reward. Everyone else who applies gets the standard gift (S$90 Cash via PayNow).
- 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.
Payments Via Alternative Methods To Earn Max Rewards:
Payments in Foreign Currency Only:
Requirements (tap to expand)
- Apply for a new Maybank Credit Card (not applicable for Maybank XL cards)
- Charge min. S$1,300 within the first 2 months of card approval
- Fill the Google Form after signing up
- Alternative: apply for CreditAble + a Maybank Credit Card, then charge min. S$1,200 within 2 months
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
- This is a timed flash deal. Only the FIRST 3 persons to submit a valid application at 2PM or 10PM SGT wins the top reward. Everyone else who applies gets the standard gift (S$90 Cash via PayNow).
- 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.
Payments Via Atome (Booking on Agoda/Trip.com) Only
Requirements (tap to expand)
- 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.
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.
