Best Cards for Telco Bills

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DBS Yuu Card

Apply Here - Visa
Apply Here - AMEX

Earn up to 17.5% cash rebate or 10 miles per dollar at Yuu merchants 

sign-up-deal
card-summary

Maybank Family & Friends Card

Step 1: Apply Now
Step 2: Google Form

Earn 8% cashback for five of your chosen categories.


sign-up-deal
card-summary

DCS Flex Card

Apply Here

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

sign-up-deal
card-summary

Citi Rewards Card

Apply Here - Direct Bank
Apply Here - Singsaver

Earn 4 miles per dollar on online spend and selected retail

sign-up-deal
card-summary

DBS Woman's World Card

Apply Here

Earn 4 miles per dollar on online spend

sign-up-deal
card-summary

Conclusion:

DBS Yuu offers the highest earn rate if you are a Singtel customer. Otherwise, Maybank Family & Friends Card may be the best cashback card as it offers a flat 8% cashback on telco bills which is very high for its category and it covers an extensive range of telco providers + it’s pretty straightforward and fuss-free. Alternatively, both Citi Rewards and DBS Woman’s World are good options for miles accumulation.

💳 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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CREDIT CARDS SIGN UP DEALS

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Citi Rewards

Get Dyson Supersonic or Dyson V12 Origin or Apple iPad (A16) 11" Wi-Fi 128GB or Sony Camera (ZV-1F) or S$450 Shopee Vouchers or S$400 Cash via PayNow when you spend S$500 within 30 days of card approval

Valid till: June 1, 2025

APPLY NOW

HSBC Live+

Get Sony Vlog Camera ZV-1F or Dyson Airstrait Straightener or Apple iPad (A16) 11" Wi-Fi 128GB or Dyson™ V12 Origin or S$370 Cash via PayNow when you spend S$500 by the end of the following calendar month + provide marketing consent

Valid till: June 1, 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 Bose QuietComfort Ultra Wireless Noise Cancelling Headphones or Dyson AM07 or S$380 Shopee Voucher or S$360 Cash via PayNow when you spend a minimum of S$800 within 30 days of card approval

Valid till: June 1, 2025

Citi Rewards

Get Dyson Supersonic or Dyson V12 Origin or Apple iPad (A16) 11" Wi-Fi 128GB or Sony Camera (ZV-1F) or S$450 Shopee Vouchers or S$400 Cash via PayNow when you spend S$500 within 30 days of card approval

Valid till: June 1, 2025

APPLY NOW

HSBC Live+

Get Sony Vlog Camera ZV-1F or Dyson Airstrait Straightener or Apple iPad (A16) 11" Wi-Fi 128GB or Dyson™ V12 Origin or S$370 Cash via PayNow when you spend S$500 by the end of the following calendar month + provide marketing consent

Valid till: June 1, 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 Bose QuietComfort Ultra Wireless Noise Cancelling Headphones or Dyson AM07 or S$380 Shopee Voucher or S$360 Cash via PayNow when you spend a minimum of S$800 within 30 days of card approval

Valid till: June 1, 2025

APPLY NOW

View all deals

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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DBS Yuu Card

  • Get S$300 Cashback when you use the code: CASH300 and spend S$800 within 60 days from card approval date
  • Valid for new to bank cardholders
  • Valid until 31 July 2025
  • Terms and Conditions here

  • Forgot to enter the promo code after application? Don’t worry. You can do so here.

     

Download the yuu Rewards App:

  • Receive 2,000 yuu points when you use my referral code KWMLISBL upon signing up on the app

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

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)
  • 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

  • Receive one (1) CATERPILLAR Industrial Plate Trunk luggage worth S$320 when you apply for any 2 participating DCS Credit Cards and make a min. cumulative spend of S$350 per month for 2 consecutive months from card approval date
  • Valid for new and existing credit cardholders
  • Promo valid until 30 June 2025
  • Read Terms and Conditions here
  • Take note that first two consecutive months is calculated differently by DCS (See below). More accurately, it should be first and third month.

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)

 

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

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

  • Get Dyson Supersonic (worth S$599) or Dyson V12 Origin (worth S$749) or Apple iPad (A16) 11″ Wi-Fi 128GB (worth S$499) or Sony Camera (ZV-1F) (worth $769) or S$450 Shopee Vouchers or S$400 Cash via PayNow upon activating and spending a min. S$500 within 30 days of card approval.
  • Valid from 19 May to 1 June 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

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 - Visa
Apply Here - AMEX

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

Chocolate Finance

Currently, there is no sign-up bonus, but you can earn 250 Max Miles when you register for a HeyMax account.

Chocolate Finance

  • Earn 2 Max Miles per dollar on the first S$1,000 spent each month
  • Earn 0.4 Max Miles per S$1 after S$1,000 spend
  • Earn miles on insurance payments, charity donations, utilities, education fees, and AXS Bill payments
  • Zero foreign exchange fees — Visa’s exchange rates are passed directly to you with no hidden fees or markups

 

Know what this card is best for

UOB One Card

  • Get S$350 Cashback (only for first 200 customers!!) when you spend S$1,000 per month for 2 consecutive months from card approval date
  • Valid from 01 May – 31 May 2025
  • Only for new-to-bank cardholders
  • Read Terms and Conditions here

UOB One Card

  • Earn up to 20% total cashback when you charge at least 5 Card Transactions with a minimum spend of S$2,000, capped at S$200
    • Base cashback: 3.33%
    • Additional cashback: 6.67%
    • Enhanced cashback: 10% Cashback
  • Earn up to 10% total cashback when you charge at least 5 Card Transactions with a minimum spend of S$500 or S$1,000 for three consecutive months, capped at S$50 or S$100 respectively:
    • Base cashback: 3.33%
    • Additional cashback: 5%
    • Enhanced cashback: 5% Cashback

 

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 Visa Platinum 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 Visa Platinum Card

  • Get up to 3.33% cash rebate on all your local and foreign currency spend with a minimum monthly spend of S$300 per month for a quarter.
  • Can be used on Insurance payments up to a certain extent

 

Annual Fee
  • Free
 
Income Requirement
  • S$30,000 (locals/PRs); S$60,000 (foreigners)
 
Can I earn cashback when I pay my Insurance
  • You may use Cardup/iPayMy to make payments. You should leverage the new user code/link for Cardup as well as iPayMy first.
    • For S$30 off your first payment, Cardup new user code: IJTLFREE
  • iPayMy new user sign up link: (Note that if you sign up directly, you will only get S$20 off your first payment)
 
Know what this card is best for

 

Terms and Conditions

Read Full Review

DCS Ultimate Platinum Card

  • Receive one (1) CATERPILLAR Industrial Plate Trunk worth S$320 when you apply for any 2 participating DCS Credit Cards and make a min. cumulative spend of S$350 per month for 2 consecutive months from card approval date
  • Valid for new and existing credit cardholders
  • Promo valid until 30 June 2025
  • Read Terms and Conditions here
  • Take note that first two consecutive months is calculated differently by DCS (See below). More accurately, it should be first and third month.

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

AMEX True Cashback Card

      • Receive Apple Airpods 4 or S$120 eCapitaVoucher when you spend S$500 within 30 days from card approval
      • Valid from 21 April to 30 June 2025
      • Promotion is valid for new to bank credit card holders
      • Read Terms and Conditions here
      • Must fulfill spending requirement to receive gift confirmation

      AMEX True Cashback Card

      • Earn 1.5% Unlimited Cashback with minimum monthly spending requirement and no maximum spending cap
      • Best used on commonly excluded merchants
       
      Annual Fee
      • S$174.40 (incl. of 9% GST) waived for the first year
       
      Income Requirement
      • S$30,000 (locals/PRs); S$45,000 (foreigners)
       
      When is Cashback Credited
      • Receive cashback in the same month’s statement
       
      Know what this card is best for

       

      Terms and Conditions

      Read Full Review

      Citi Prestige Card

      Option 1: Direct Bank Promotion – Higher Qualifying Spend

        • Receive 125,000 ThankYou Points in Welcome Gift when you pay annual fee upon card approval & spend S$2,000 in the first 2 months of card approval
        • Read Terms and Conditions here
        • Valid until 31 May 2025
        • Eligible for new main Citi Prestige Card members (if you hold other Citibank cards but have not held a Citi Prestige card over the last 12 months, you are considered new to Citi Prestige)2X Samsonite Straren Spinner 67/24 (worth S$1,200) [pair reward option for Valentine’s day]

         

        Option 2: Singsaver – Lower Qualifying Spend

          • Get D2D1N Banyan Tree – Mandai Rainforest Resort Staycation (worth S$645) or Yunomori Onsen & Spa Vouchers (worth S$580) or Apple AirPods Max (worth S$749) upon activating and spending a min. S$500 within 30 days of card approval.
          • Valid from 19 May to 1 June 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 to secure your rewards after you have applied!

            Citi Prestige Card

            • Earn up to 2 miles per dollar (5 Citi ThankYou Points) spend overseas and 1.3 miles per dollar (3.25 Citi ThankYou Points) locally. You can also access exclusive benefits such as 4th night complimentary night stay, unlimited Priority Pass visits + one guest per membership year (will change to 12 priority visits per calendar year after 1 July 2025), 6 complimentary golf games, and dining experiences. The earn rate is enhanced with bonus ThankYou Points when you hold a Citi bank account for a period of time.
            • Points has no cap and expiry

             

            Annual Fee
            • S$545 (Non-Waivable) — will increase to S$651.82 after 1 July 2025

             

            Income Requirement
            • S$120,000 (locals/PRs & foreigners)

             

            Points Expiry
            • ThankYou points do not expire

             
            Transfer Partners
            • Singapore Airlines, 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

            DBS Vantage

            • Receive up to 60,000 miles when you spend S$4,000 + pay annual fee within 30 days of card approval to be eligible for reward
              • Pay the annual fee of S$599.50 (inclusive of GST) to receive 25,000 miles
              • Spend S$4,000 to receive 35,000 miles
            • Promotion is valid for new and existing DBS credit cardmember
            • Promotion is valid until 31 August 2025
            • Read Terms and Conditions here

            DBS Vantage Card

            • Earn 1.5 miles or 1.5% cashback per dollar; 3.75 DBS Points for every S$5 spent locally, such as groceries, shopping and more  and 2.2 miles or 2.2% cashback per dollar; 5.5 DBS Points for every S$5 spent on overseas purchases in foreign currency

            • This comes with ten (10) free airport lounge visits per membership year

            • This is also best used with CardUp to pay for expenses that typically don’t earn miles, you basically pay a service fee to charge those payments to your DBS Vantage card and accumulate rewards. This is similar to “buying” miles.

             

            Annual Fee
            • S$599.50 (incl. of GST)

            • The first year’s fee is non-waivable. Subsequent years’ fees can be waived if cardholders spend at least S$60,000 per membership year.


            Income Requirement
            • S$120,000 (locals/PRs & foreigners)


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

             

            Transfer Partners
            • Krisflyer, Cathay Pacific Asia Miles, Qantas, Air Asia

             

            Know what this card is best for:


            Terms and Conditions

            Read Full Review

            HSBC TravelOne Card

            • Get Dyson Airstrait Straightener (worth S$799) or Dyson™ V12 Origin (worth S$749) or Apple iPad (A16) 11″ Wi-Fi 128GB (worth S$499) or GoPro Hero13 Black Action Camera (worth S$590) or S$370 Cash via PayNow when you spend S$500 by the end of the following calendar month from the card account opening date + provide marketing consent + pay annual fee
            • Valid from from 13 May to 1 June 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!

            HSBC TravelOne Card

            • Earn 2.4 miles per dollar on foreign currency spend, and 1.2 miles per dollar on local spend. This card is best for travelers due to the fact that it has twice more than the usual lounge passes that you can acquire in other similar earn rate entry level credit cards; you are entitled to 4 free airport lounge visits (via DragonPass) per calendar year! Plus, it has an extensive list of transfer partners allowing flexibility.
             
            Annual Fee
            • S$196.20 (inclusive of GST), first year free waiver
             
            Income Requirement
            • S$30,000 (locals/PRs); S$40,000 (foreigners)
             
            Points Expiry
            • After 37 months
             
            Transfer Partners
            • Asia Miles, Vietnam Airlines, British Airways, EVA Air, Qantas, Air Asia, Flying Blue, Krisflyer, Fortune Wings Club, Turkish Airlines, United Mileage Plus, Air Canada, Qatar Airways, Japan Airlines
             
            Know what this card is best for:

             

            Terms and Conditions

            Read Full Review

            UOB PRVI Card

            NIL

            UOB PRVI Card

            • Earn 1.4 miles per dollar for local spending
            • Earn up to 3 miles per dollar for overseas spending (including online shopping and overseas websites)
              • 3 miles per dollar on selected currencies:
                • Malaysian Ringgit
                • Indonesian Rupiah
                • Thai Baht
                • Vietnamese Dong
              • 2.4 miles per dollar on other currencies
            • Earn up to 6.6 miles per dollar when you spend on major airlines and hotels worldwide via special landing pages UOB x Agoda and UOB x Expedia (this may be more costly)
            • One-way Airport Transfer Service for AMEX Version only
            • S$20 off Grab rides to/fro Changi Airport for Visa/Mastercard Version only

             

            Annual Fee
            • S$261.60, first year waived
             
            Income Requirement
            • S$30,000 (locals/PRs); S$40,000 (foreigners)
             
            Points Expiry
            • UNI$ expire two (2) years after the last day of the quarter in which they were earned.

             

            Know what this card is best for

             

            Terms and Conditions

            Read Full Review

            DBS Altitude Card

            • Get up to 38,000 miles when you spend S$800 within 60 days from card approval
              • Promo Code: ALT38 – 38,000 miles when you pay the annual fee
              • Promo Code: ALTW28 – 28,000 miles (annual fee waived)
            • Valid for New to Bank Cardholders
            • Valid from 1 March until 31 August 2025
            • Read Terms and Conditions here

            Pro Tip: Choose the one with the annual fee waived 

            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

            Standard Chartered Journey Card

              • Receive Samsonite Straren Spinner 67/24 (worth S$600) or 12K Max Miles or S$250 Shopee Voucher or S$180 Cash via PayNow when you spend S$800 within 30 days of card approval
              • Valid from 5 May to 1 June 2025
              • Read Terms and Conditions here
              • Promotion is valid for new to bank credit card holders
              • Must fulfill spending requirement to receive gift confirmation
              • Remember to check for SingSaver email to secure your rewards after you have applied!

              Stackable with Direct Bank Rewards:

              My thoughts: If you were going to apply for this card, you would probably get the better value from choosing the annual fee paying option as you would get extra 20,000 miles for S$196.20, making your cost per mile to be 0.9 cents per mile. Do take note of the minimum spend criteria of S$3000 within 2 months of card approval as well as spending on eligible transactions for your qualifying spend to maximise the sign up rewards.

              Standard Chartered Journey Card

              • Earn up to 3 miles per dollar on selected bonus categories in SGD; 2 miles per dollar on overseas spending, and 1.2 miles per dollar on other local spending. All with no minimum monthly spending required. This card is best for those who spend a lot on the bonus online categories such as transportation, grocery and food delivery with a spending cap of S$1,000 per statement month
              • This comes with 2 complimentary airport lounge passes

               

              Annual Fee
              • S$196.20 (incl. 9% GST), should be waivable

               

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

               

              Points Expiry
              • The points never expire

               

              Transfer Partners
              • Krisflyer & Cathay Pacific Asia Miles
               
              Know what this card is best for:

               

              Terms and Conditions

              Full Review

              Citi PremierMiles Card

              Option 1: Direct Bank Promotion

                  • Receive 8,000 bonus Citi Miles (with no annual fee paid) or 30,000 bonus Citi Miles (with annual fee paid) when you spend S$800 in the first 2 months of card approval.
                  • Valid til 31 July 2025
                  • Read Terms and Conditions here

                   

                  Option 2: Singsaver Promotion

                    • Get Dyson Supersonic (worth S$599) or Dyson V12 Origin (worth S$749) or Apple iPad (A16) 11″ Wi-Fi 128GB (worth S$499) or Sony Camera (ZV-1F) (worth $769) or S$450 Shopee Vouchers or S$400 Cash via PayNow upon activating and spending a min. S$500 within 30 days of card approval.
                    • Valid from 19 May to 1 June 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 PremierMiles Card

                    • Earn uncapped 1.2 miles for every dollar spent in Singapore dollars and 2 miles for every dollar spent overseas. Even though the earn rate is quite low, the miles never expire. This may be useful for those starting out on their miles accumulation journey with low spending.

                    • Citibank credit cards have one of the widest variety of transfer partners, which makes the miles very flexible for miles redemption.

                    • The principal card entitles you to 2 free Priority Pass airport lounge visits per calendar year!

                     

                    Annual Fee
                    • S$196.20, waived for the first year

                     

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

                     

                    Points Expiry
                    • The Citi Miles never expire

                     

                    Transfer Partners
                    • Singapore Airlines, Flying Blue, British Airways, Thair Airways, Etihad, Asia Miles, EVA Air, Qantas, Qatar Airways, Turkish Airlines, IHG

                     

                    Know what this card is best for:

                     

                    Terms and Conditions

                    Read Full Review