Best Cards for Kris+

If you’re already spending on dining or shopping, you really need to check out Kris+—Singapore Airlines’ lifestyle rewards app. It lets you earn KrisFlyer miles on everyday purchases, with no conversion fees and instant 1:1 transfers to your KrisFlyer account.

Stack Rewards Like a Pro

The best part? You can double dip by linking Kris+ to your credit card. That means you earn KrisFlyer miles through Kris+, plus cashback or miles from your credit card—all from the same transaction.

Yes, it’s a true double dip. And who doesn’t love that?

A payment via Kris+ is registered as:

an online transaction
mobile wallet payment (so from the app, you will be led to pay via Apple Pay or Google Pay)
processed with a merchant category code (MCC) based on the actual store (as if you paid in-person)

So, choosing a card that rewards Kris+ transactions, online spending, or that specific MCC is quite important.

How to Link Your Credit Card to Kris+:

Download the Kris+ app using this referral link to get 750 KrisPay miles (worth S$5)
Link your credit card via Apple Pay or Google Pay within the app
When paying, select Apple Pay or Google Pay and use your linked card

1. All Spend via Kris+

these are the cards that generally rewards online spends for almost all, if not, all merchants in Kris+ app.

Cashback:

Cashback Cards	Earn Rate & Cap
DCS Flex	6% cashback, minimum spend of S$600, capped at S$25 per category (S$100 for all 4 categories)
UOB Evol	10% cashback, minimum spend of S$800 per statement month, capped at S$30

DCS Flex Card

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

UOB Evol Card

Earn 10% cashback on all online and mobile contactless spend and gym, telco, and streaming services

Miles:

Miles Cards	Earn Rate & Cap
DBS Woman’s World Card	4 miles per dollar, capped at S$1,500 per calendar month (S$1,000 after 1 August 2025)
UOB Krisflyer	3 miles per dollar, no cap
*Citi Rewards + Instarem Amaze (1% fee or min S$0.50 fee applicable)	4 miles per dollar, capped at S$1,000 per statement month
*Citi Rewards must be paired with Amaze because in-app mobile payments (Apple Pay/Google Pay) is part of the exclusion list of Citi Rewards, therefore it won’t earn 4 mpd if used alone. However, note that the use of Amaze on local transactions will incur 1% fee or min. S$0.50 per transaction. This will not be worthwhile if your transaction value is below S$50.	*Citi Rewards must be paired with Amaze because in-app mobile payments (Apple Pay/Google Pay) is part of the exclusion list of Citi Rewards, therefore it won’t earn 4 mpd if used alone. However, note that the use of Amaze on local transactions will incur 1% fee or min. S$0.50 per transaction. This will not be worthwhile if your transaction value is below S$50.

DBS Woman's World Card

Earn 4 miles per dollar on online spend

UOB Krisflyer Card

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.

Citi Rewards Card

Earn 4 miles per dollar on online spend and selected retail

2. Dining Spend

Examples: 1918 Heritage Bar, Jiang-Nan Chun Restaurant, JUMBO Seafood, Krispy Kreme, NOBU Singapore, One-Ninety Restaurant (Four Seasons)

Cashback:

Cashback Cards	Earn Rate & Cap	Merchant Category Codes (MCC)
Maybank Family & Friends	8% cashback, minimum spend of S$800 per calendar month, capped at S$25 per category (S$125 for 5 categories)	5812, 5814 Grabfood, Foodpanda, Deliveroo
Citi Cashback	6% cashback, minimum spend of S$800 per statement month, capped at S$80	5811, 5812, 5814
OCBC 365	5% cashback, minimum spend of S$800/S$1,600, capped at S$80/S$160	5811, 5812, 5814 includes online food delivery

Maybank Family & Friends Card

Earn 8% cashback for five of your chosen categories.

Citi Cashback Card

Earn 8% cashback on petrol & ride-hailing services and 6% cashback on groceries & dining

OCBC 365 Card

Earn 6% cashback on Petrol, 5% cashback on Dining, 3% cashback on Groceries, Land Transport, Streaming, Electric Vehicle Charging, Watsons, Utilities

Miles:

Miles Cards	Earn Rate & Cap	Merchant Category Codes (MCC)
UOB Lady	4 miles per dollar capped at S$1,000/S$1,500 per calendar month (wef 1 August 2025); must choose Dining Category	5811, 5812, 5814, 5499
HSBC Revolution	4 miles per dollar, capped at S$1,000 per calendar month	5811, 5812, 5813, 5441, 5462
UOB Preferred Platinum Visa	4 miles per dollar, capped at S$1,110	5811, 5812, 5814, 5333, 5411, 5441, 5499, 8012, 9751

UOB Lady's Card

Earn 4 miles per dollar on 1 or 2 chosen categories

HSBC Revolution Card

Earn 4 miles per dollar on selected online and contactless spend (until 31 October 2025)

UOB Preferred Platinum Visa Card

Earn 4 miles per dollar on mobile contactless payments, online shopping, and entertainment

3. Shopping Spend

Examples: Adidas, Birkenstock, GUESS, SK Jewellery, Smeg, Superdry, Xiaomi

Cashback:

Cashback Cards	Earn Rate & Cap	Merchant Category Codes (MCC)
CIMB Visa Signature	10% cashback, minimum spend of S$800, capped at S$100 per statement month (S$20 per category)	5611, 5621, 5631, 5641, 5651, 5655, 5661, 5691, 5699, 5731, 5311
Maybank Family & Friends	8% cashback, minimum spend of S$800 per calendar month, capped at S$25 per category (S$125 for 5 categories)	5611, 5262, 5309, 5310, 5311, 5331, 5399, 5621, 5631, 5641, 5651, 5661, 5691, 5699, 5948

CIMB VIsa Signature Card

Earn 10% cashback on online shopping, groceries, beauty/wellness, pet shops/veterinary services and cruises

Maybank Family & Friends Card

Earn 8% cashback for five of your chosen categories.

Miles:

Miles Cards	Earn Rate & Cap	Merchant Category Codes (MCC)
UOB Lady	4 miles per dollar capped at S$1,000/S$1,500 per calendar month (wef 1 August 2025); must choose Dining Category	5311, 5611, 5621, 5631, 5651, 5655, 5661, 5691, 5699, 5948
HSBC Revolution	4 miles per dollar, capped at S$1,000 per calendar month	4816, 5045, 5262, 5309, 5310, 5311, 5331, 5399, 5611, 5621, 5631, 5641, 5651, 5655, 5661, 5691, 5699, 5732, 5733, 5734, 5735, 5912, 5942, 5944, 5945, 5946, 5947, 5948, 5949, 5964, 5965, 5966, 5967, 5968, 5969, 5970, 5992, 5999
OCBC Rewards	4 miles per dollar, capped at S$1,100 per calendar month	5309, 5311, 5611, 5621, 5631, 5641, 5651, 5655, 5661, 5691, 5699, 5941, 5948
UOB Preferred Platinum Visa	4 miles per dollar, capped at S$1,100	4816, 5262, 5306, 5309, 5310, 5311, 5331, 5399, 5611, 5621, 5631, 5641, 5651, 5661, 5691, 5699, 5732-5735, 5912, 5942, 5944, 5945, 5946, 5947, 5948, 5949, 5964, 5965, 5966, 5967, 5968, 5969, 5970, 5992, 5999

UOB Lady's Card

Earn 4 miles per dollar on 1 or 2 chosen categories

HSBC Revolution Card

Earn 4 miles per dollar on selected online and contactless spend (until 31 October 2025)

OCBC Rewards Card

Earn 6 miles per dollar on Watsons, Lazada, Shopee, Tiktok Shop, and Taobao (until 31 December 2025) and 4 miles per dollar on Eligible Online and Offline Spends

UOB Preferred Platinum Visa Card

Earn 4 miles per dollar on mobile contactless payments, online shopping, and entertainment

Conclusion

Kris+ is a powerful way to earn extra KrisFlyer miles on everyday spending—especially when paired with the right credit card. By understanding how payments are processed and choosing cards that reward mobile wallet, online, or specific MCCs, you can double dip and unlock serious value from your dining and shopping habits. Just be mindful of card exclusions and make sure your setup qualifies for the bonus 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.

Purchases made through links in this article may generate an affiliate commission that helps keep this site running. Found this post useful? Subscribe to our Telegram Channel for more updates!

lobangsis

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

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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

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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

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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

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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

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.

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

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Maybank Family & Friends

Valid till: May 1, 2025

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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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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

Best Cards for Kris+
Best Cards for EV Charging
Best Cards for Bus/MRT – must charge directly to the card or SimplyGo tap-as-you-go (top-ups excluded)
Best Cards for Flights
Best Cards for Telco
Best Cards for Food Delivery

Terms and Conditions
Read Full Review

UOB Evol Card

Get S$140 Cash via PayNow or S$160 Shopee Vouchers when you spend S$500 on overseas spend in foreign currency (including online) in the first month from card approval date
Valid from 22 July to 31 July 2025
Promotion is valid for new to bank credit card holders
Read Terms and Conditions here
Must fulfill spending requirement to receive gift confirmation
Remember to check for SingSaver email and complete the registration to secure your reward!

Stackable with Direct Bank Rewards:

Get Apple Watch SE 2nd Gen (worth S$382.50)
Valid for new-to-UOB credit card customers only.
Be one of the first 60 customers to apply and get approved, register for the promo via SMS, and make a min. spend of S$800 per month for 2 consecutive months from card approval date
- SMS Registration: EVOLGIFT<space>Last 4 alphanumeric characters of your NRIC send to 77862
Read Terms and Conditions here

UOB Evol Card

Earn 10% cashback on all online and mobile contactless spend (Apple Pay, Samsung Pay, Fitbit Pay)
Earn 10% cashback on Selected Gym, Telco, and Streaming Services (NEW!)
Earn 1% cashback on ALL Overseas Foreign Currency Spends (until 31 December 2025)
0.3% cashback for all other spends
Minimum spend of S$800 each statement month
S$100 total cashback cap (until 31 December 2025) per statement month, capped at:
- S$30 – online & mobile contactless
- S$20 – selected gym, telco, and streaming services
- S$20 – all overseas foreign currency spend
- S$30 – other spends

Annual Fee

S$196.20 (incl. GST), waived with 3 monthly transactions for 12 consecutive months)

Income Requirement

S$30,000 (locals/PRs); S$40,000 (Foreigners

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 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 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

Citi Rewards Card

Option 1: Direct Bank Promotion

Receive 40,000 bonus Points Welcome Offer when you spend S$800 in the first 2 months of account opening.
Valid til 31 July 2025
Read Terms and Conditions here

Option 2: Singsaver Promotion

Flash Deal:
- Get Sony WH-1000XM6 (worth S$649) when you are among the first 10 applicants to apply at 12PM & 8PM daily and spend S$500 within 30 days from card approval date
- Valid from 18 July to 22 July 2025
- Promotion is valid for new to bank credit card holders
- Not stackable with direct bank promo and usual rewards
- Remaining applicants will get the usual rewards

Usual Rewards:
- Get Dyson Airwrap Origin (worth S$549) or S$450 Shopee Voucher or Hinomi H1 Pro V2 Ergonomic Office Chair (worth S$999) or S$400 Cash via PayNow upon activating and spending a min. S$500 within 30 days of card approval.
- Valid from 10 July to 31 July 2025
- Promotion is valid for new to bank credit card holders
- Read Terms and Conditions here
- Must fulfill spending requirement to receive gift confirmation
- Remember to check for SingSaver email and complete the registration to secure your reward!

Citi Rewards Card

Earn 4 miles per dollar on online spending, with no minimum spend and a spending cap of S$1,000 per statement month.
You can use this card for any online spending inclusive of ride-hailing apps or taxis.
Pro tip: Pair this card to Amaze for Overseas Offline Spending
Do not use on travel-related spending: Car Rentals, Hotels, Flights, Train Tickets or Public Transport (eg. SimplyGo)
Get 17% instant fuel discount on Techron® fuels with all Citi Credit/Debit cards when you pay with the CaltexGO app. Get 16% instant fuel discount on Platinum 98 or 14% instant fuel discount on other grades of petrol and diesel with all Citi Credit/Debit Cards.
This is on top of 4 miles per dollar on Citi Rewards + Amaze.

Annual Fee

S$194.40 (First year waived)

Income Requirement

S$30,000 (locals/PRs); S$42,000 (foreigners)

Points Expiry

After 60 months (5 years) from the date the card is opened (i.e. not from the transaction date)., reward points will expire.

Transfer Partners

Krisflyer, Flying Blue, British Airways, Thai Royal Orchid, Etihad, Asia Miles, EVA Air, IHG, Qatar Airways, Turkish Airlines, Qantas

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

Best Cards for Kris+ – must choose dining and/or online shopping category
Best Cards for EV Charging – must choose transport category
Best Cards for Bus/MRT
Best Cards for Ride Hailing
Best Cards for Telco
Best Cards to pair with Amaze
Best Cards for Petrol
Best Cards for Food Delivery
Best Cards for Public Transport
Best Cards for Grocery
Best Cards for Restaurant

Terms and Conditions

Read Full Review

Citi Cashback Card

Option 1: Direct Bank Promotion

Receive S$300 cash back Welcome Offer when you spend S$800 in the first 2 months upon card approval
Valid til 31 July 2025
Read Terms and Conditions here

Option 2: Singsaver Promotion

Flash Deal:
- Get Sony WH-1000XM6 (worth S$649) when you are among the first 10 applicants to apply at 12PM & 8PM daily and spend S$500 within 30 days from card approval date
- Valid from 18 July to 22 July 2025
- Promotion is valid for new to bank credit card holders
- Not stackable with direct bank promo and usual rewards
- Remaining applicants will get the usual rewards

Usual Rewards:
- Get Dyson Airwrap Origin (worth S$549) or S$450 Shopee Voucher or Hinomi H1 Pro V2 Ergonomic Office Chair (worth S$999) or S$400 Cash via PayNow upon activating and spending a min. S$500 within 30 days of card approval.
- Valid from 10 July to 31 July 2025
- Promotion is valid for new to bank credit card holders
- Read Terms and Conditions here
- Must fulfill spending requirement to receive gift confirmation
- Remember to check for SingSaver email and complete the registration to secure your reward!

Citi Cashback Card

Earn 8% cashback on Petrol and local private hire/taxi, 6% cashback on Dining at restaurants and cafes daily, worldwide, 6% cashback on groceries at supermarkets and grocery stores daily, worldwide.
Up to 20.88% fuel savings at Esso and Shell & 23.64% savings at Caltex
There is an S$800 minimum spend required each month, and cashback is limited to S$80 per statement month.
Get 0.2% base cashback for other spends

Tip: You don’t have to meet the minimum monthly spend requirement every month. If you can’t hit S$800 for the month, you can buy supermarket vouchers in store (and get 6% cashback) to use in the next few months.

Annual Fee

S$196.20 (incl. 9% GST), first year waived

Income Requirement

S$30,000 (locals/PRs); S$42,000 (foreigners)

When is Cashback Credited

Your earned cash back will be automatically credited to your Citi Cash Back Card account monthly at billing cycle date, in multiples of $10. S$50 is the minimum cash back withdrawal amount (after that, multiples of S$10). When your cashback total reaches S$50, it will be automatically credited to your credit card statement. Through the Citi Mobile App, you will also be able to monitor the cashback you have earned.

Know what this card is best for:

Terms and Conditions

Read Full Review

OCBC 365 Card

Receive an Apple Airpods 4 (worth S$199) or Stryv Airflex 2.0 (worth S$369) or S$200 Shopee Voucher or S$160 Cash via PayNow when you make atleast one transaction with no minimum spend within 30 days of card approval
Valid from 01 July to 31 July 2025
Read Terms and Conditions here
Must fulfill spending requirement to receive gift confirmation
Remember to check for SingSaver email to secure your rewards after you have applied!

OCBC 365 Card

Earn 6% cashback on Petrol, 5% cashback on Dining, and 3% cashback on Groceries, Land Transport, Streaming, Electric Vehicle Charging, Watsons, Utilities.
This has 2 tiers of spend requirement and cap respectively:
- Tier 1: S$800;S$80
- Tier 2: S$1,600; S$160
Best paired with OCBC 360 Savings Account as it offers the highest ROI with a minimum spend of S$800 on your first S$100,000 when you credit your salary, make purchases with an eligible OCBC credit card, and save regularly.

Annual Fee

S$196.20 (including GST), waived for the first 2 years.

Income Requirement

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

How is Cashback Credited

Cashback will be automatically offset against the month’s billed amount

Know what this card is best for

Terms and Conditions

Read Full Review

UOB Lady’s Card

NIL

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

HSBC Revolution Card

Get Apple iPad (A16) 11″ Wi-Fi 128GB (worth S$499) or Dyson Airwrap™ Origin (worth $549) or S$390 Cash via PayNow when you spend S$500 by the end of the following calendar month + provide marketing consent
Valid from from 01 July to 31 July 2025
Available for New HSBC Cardholders
- New cardholder is defined as customers with no existing principal HSBC credit card and who haven’t canceled one in the past 12 months.

Read Terms and Conditions here
Must fulfill spending requirement to receive gift confirmation
Remember to check for SingSaver email to secure your rewards after you have applied!

For Existing HSBC Cardholders:

Get S$50 cashback when you spend S$500 by the end of the following month
Valid until 31 August 2025
Available for Existing HSBC Cardholders
- Existing Cardholder is defined as customers whose most recent principal HSBC Credit Card was issued more than 12 months ago and who haven’t canceled one in the past 12 months.
- Eg. You already hold an HSBC TravelOne Card and you apply for HSBC Live+ Card, you are already an existing cardholder.
Read Terms and Conditions here
Must provide marketing consent to HSBC
This gift will be fulfilled directly by HSBC

HSBC Revolution Card

Earn 4 miles per dollar on selected online and contactless spend categories, capped at S$1,500 per calendar month
The categories include:
- Department Stores and Retail Stores
- Dining (excluding hotel dining)
- Transportation & Membership Clubs
- Travel-Related (until 31 October 2025 only)
You will only earn 0.4 miles per dollar on other categories outside of these online categories and if you spend above $1,000 per calendar month.
The rewards points conversion fee is waived indefinitely— transferring your points is completely free!
Note: Contactless payment, upsized cap of S$1,500, and travel-related category will only be available until 31 October 2025.

Special hack:

Even though you may not be able to use the card for flights or hotel bookings directly, you can actually use atome to make your bookings via agoda or trip.com and pay via atome platform. Atome’s MCC is 5999 which falls under 4 mile per dollar category. In addition, spreading your travel spending across 3 months instalments can help you keep within the S$1,000 spending cap. However, you will not be able to earn extra cashback on platforms like Shopback or Azgo.

If you are new to Atome, you can sign up here to receive points that is equivalent to S$10 off your first transaction.

Annual Fee

None

Income Requirement

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

Points Expiry

37-month period, starting from the month after the month in which the points were acquired

Transfer Partners

Japan Airlines, Air Canada Aeroplan, Fortune Wings Club, Qatar Airlines, Turkish Airlines, Mileage Plus, Krisflyer, Thai Royal Orchid Plus, Flying Blue, Air Asia, British Airways, Asia Miles, Etihad, EVA Air, Qantas, Vietnam Airlines

Know what this card is best for:

Best Cards for Kris+ – Dining & Shopping Spends
Best Cards for Flights
Best Cards for Ride Hailing Apps
Best Cards for Online Shopping
Best Cards with No Min Spend
Best Cards for Electronics

Terms and Conditions

Read Full Review

UOB Preferred Platinum Visa

NIL

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.

Know what this card is best for:

Best Cards for Kris+ – Dining & Shopping Spends

Terms and Conditions

Read Full Review

CIMB Visa Signature Card

Get S$50 Cash via PayNow when you spend a minimum of S$108 within 30 days of card approval
Valid from 01 July to 31 July 2025
Read Terms and Conditions here
Must fulfill spending requirement to receive gift confirmation
Remember to check for SingSaver email and complete the registration to secure your reward!

Stackable with Direct Bank Rewards:

Receive Up to S$188 Cashback
Apply for select CIMB credit cards and make minimum spends to be eligible for reward:
- Make a minimum spend of S$108 within 30 days of card approval date to receive S$88 Cashback
- Make a minimum spend of S$988 within 60 days of card approval date to receive additional S$100 Cashback (S$188 total)
Promotion is valid until 31 July 2025
Promotion is valid for new CIMB credit cardmembers only
Read Terms and Conditions here

CIMB Visa Signature

Earn 10% cashback on online shopping, groceries, beauty/wellness, pet shops/veterinary services and cruises with a minimum spend of S$800, capped at S$100 per statement month (S$20 per category)
Earn 0.2% cashback on all other spend with no minimum spend

Annual Fee

Free for life for all Principal and Supplementary cards

Income Requirement

S$30,000 (locals/PRs & Foreigners)

When is Cashback Credited

Cashback will be credited to the cardmember’s account on a monthly basis in the following statement month

Know what this cards is best for

Terms and Conditions

Read Full Review

OCBC Rewards Card

Receive an Apple Airpods 4 (worth S$199) or Stryv Airflex 2.0 (worth S$369) or S$200 Shopee Voucher or S$160 Cash via PayNow when you make atleast one transaction with no minimum spend within 30 days of card approval
Valid from 01 July to 31 July 2025
Read Terms and Conditions here
Must fulfill spending requirement to receive gift confirmation
Remember to check for SingSaver email to secure your rewards after you have applied!

OCBC Rewards Card

Earn 6 miles per dollar on Watsons, Lazada, Shopee (except Shopee Pay transactions), Tiktok Shop, and Taobao (until 31 December 2025). Capped at S$1,000 per calendar month
Earn 4 miles per dollar on Eligible Online and Offline Spends, capped at S$1,110 per calendar month
Pair with Amaze for converting offline overseas retail spending to earn 4 miles per dollar

Annual Fee

S$196.20 (including GST), waived for the first 2 years

Income Requirement

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

Points Expiry

OCBC$ expires every 2 years and can pool across cards that earn OCBC$, but not with OCBC’s other rewards currencies (Travel$, VOYAGE Miles) – This means if you have other OCBC$ earning cards (eg. OCBC Rewards Blue and Pink), you can transfer the miles together from both card at one shot with a single transfer fee.

Know what this card is best for

Terms and Conditions

Read Full Review

DBS yuu Card

Cashback:

Get S$300 cashback + S$80 Esso Fuel Discount Voucher when you apply with promo code: YUU380 and spend atleast S$800 within 60 days from card approval
Valid until 31 October 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

Valid from 1 July to 31 July 2025
Must be a new-to-DBS/POSB Cardholder
Read Terms and Conditions here

Existing Cardholders:

Get S$80 Esso Fuel Discount Voucher with no minimum spend and promo code
Valid from 1 July until 31 October 2025
What counts as Existing Cardholders:
- Customers who currently have a Principal DBS/POSB Credit Card or have cancelled any Principal DBS/POSB Credit Card within the last 12 months.
Read Terms and Conditions here

DBS yuu Card

Earn base award of 10 yuu points per dollar spent (equivalent to 5% rebates or 2.78 miles per dollar) at yuu merchants with no minimum spend and no cap
Additional bonus award of 26 yuu points per dollar spent (equivalent to 13% rebates or 7.22 miles per dollar) at yuu merchants when you hit S$600 total qualified spend in a calendar month, capped at 15,600 points per calendar month. Spending cap for the bonus earn rate is at S$600. Beyond S$600, you will not earn additional 26 yuu points.
Earn 1 yuu point per dollar spent (equivalent to 0.5% rebates or 0.28 miles per dollar) at all other non-yuu merchants.
AMEX Version offers special discounts like 30% off hotel reservations, free trials on PressReader, and 15% off Bloomingdale’s

Annual Fee

S$196.20, first year waived

Income Requirement

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

When are the DBS Points credited

This usually credits when the transaction posted, usually takes 24 hrs or in some, it could take 2-3 days.

Know what this card is best for:

Terms and Conditions

Read Full Review

Standard Chartered Smart Card

Receive Apple Airpods 4 (with Active Noise Cancellation) (worth S$249) or Hinomi H1 Classic V3 Ergonomic Office Chair (Without Headrest) (worth S$659) or S$250 Shopee Voucher or S$200 Cash via PayNow when you spend S$800 within 30 days of card approval

Valid from 01 July to 31 July 2025
Read Terms and Conditions here
Must fulfill spending requirement to receive gift confirmation
Remember to check for SingSaver email to secure your rewards after you have applied!

Standard Chartered Smart Card

Earn 10% cashback or 9.28 miles per dollar for spends above S$1,500 for bonus categories
Earn 8% cashback or 7.42 miles per dollar on spends of at least S$800 to S$1,500 for bonus categories
Earn 4% cashback or 3.71 miles per dollar on spends below S$800 for bonus categories (until 31 March 2025)
0.5% cashback in the form of reward points for all base spends
This has no bonus cap
Best for dining, streaming, and transport categories

Annual Fee

Used to be waived for life, but beginning 6 December 2025, an annual fee of S$99.19 will be applied to all StanChart Smart Cardholders as of 6 December 2024.

Income Requirement

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

Points Expiry

The points expire 3 years from your card opening date, which is very strange. Your points earned the day before your 3rd year card anniversary date could just expire the next day. You could set a redemption reminder date 3 years from your card opening date. Alternatively, you could keep the points in your account low by doing regular redemption. This way, even if you forget, all is not lost.

Know what this card is best for:

Best Cards for EV Charging – until 31 December 2025 only

Terms and Conditions

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

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

Valid from 1 July to 31 July 2025
Must be a new-to-DBS/POSB Cardholder
Read Terms and Conditions here

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:

Best Cards for Airport Lounge
Must be paired with CardUp/iPayMy
- Best Cards for Insurance
- Best Cards for Renovations, MCST, Donations, Tax, Rent

Terms and Conditions

Read Full Review

Best Cards for Kris+

Stack Rewards Like a Pro

How to Link Your Credit Card to Kris+:

1. All Spend via Kris+

Cashback:

DCS Flex Card

UOB Evol Card

Miles:

DBS Woman's World Card

UOB Krisflyer Card

Citi Rewards Card

2. Dining Spend

Cashback:

Maybank Family & Friends Card

Citi Cashback Card

OCBC 365 Card

Miles:

UOB Lady's Card

HSBC Revolution Card

UOB Preferred Platinum Visa Card

3. Shopping Spend

Cashback:

CIMB VIsa Signature Card

Maybank Family & Friends Card

Miles:

UOB Lady's Card

HSBC Revolution Card

OCBC Rewards Card

UOB Preferred Platinum Visa Card

Conclusion

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