This page is where I park my favourite credit cards, so you don’t have to dig through comments, DMs, or 20 videos trying to remember “eh which card was that ah?”
I’ll show you how to navigate this page properly before we even talk cards.
Every card on this page follows the same structure. Here’s how to use it 👇
1️⃣ Check the Sign-Up Deal
This tells you:
- what reward you’ll get
- how much you need to spend & fill which form
- by when
⚠️ Please read this part properly. Most people lose rewards because they don’t hit the conditions.
2️⃣ Click the Card Summary
This is a very short, skimmable overview:
- what the card is best for
- what NOT to use it for
- any important caps or exclusions
Perfect if you hate long reviews.
3️⃣ Read the Full Review (Optional)
Inside the Card Summary, you can get the full review.
Only if you want deeper context:
- What my optimisation strategy is for the card
4️⃣ Apply When You’re Ready
Once you’re confident, click the Apply link below and follow the sign-up instructions exactly.
Highest Rewards Card
This is the card I label as “highest rewards”, and yes — preferrably DBS yuu Amex, because you can use the AMEX version at Singtel kiosks, not the Visa version.
Important: If you want this card, you should get the yuu app to receive 2,000 points.
DBS yuu Card
Earn up to 18% cash rebate or 10 miles per dollar at yuu merchants
DBS yuu App
Use my referral code: KWMLISBL to receive 2,000 yuu points.
To take advantage of yuu Points, redemptions, and exclusive deals, you’ll need to pair your DBS yuu Card with the standalone yuu App
Online Spend (Excluding Flights & Hotels) - Citi Rewards Card
Typically, the SingSaver promo is the better one. But the direct bank promotion gives you miles and you don’t need to hassle with the sign up rewards.
Citi Rewards Card
Earn 4 miles per dollar on online spend and selected retail
Best for Online Flights & Hotels - DBS Women’s World Mastercard (WWMC)
DBS WWMC does not come with any sign up bonuses. Therefore, you should sign up for DBS Altitude first to maximise your sign up rewards. Both cards’ points can pool together and therefore, will not pose any issues.
DBS Altitude Card
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)
Best for Overseas Spend - Mari Credit Card
Mari Credit Card
Use Code: 2OJA50ZV
Earn 1.5% Unlimited Shopee Coins with Mari Credit Card Instant Checkout and 1.5% Unlimited Cashback on eligible card spend
Best for Contactless Spend - UOB Preferred Platinum Visa (PPV)
UOB PPV typically has no sign up rewards. Therefore, I highly recommend to apply for UOB Lady’s first to maximise the sign up rewards. Both cards’ points can pool together and therefore, will not pose any issues.
UOB Lady's Card
Earn 4 miles per dollar on 1 or 2 chosen categories
UOB Preferred Platinum Visa Card
Earn 4 miles per dollar on mobile contactless payments, online shopping, and entertainment
For ALL the cards that I use currently, watch this Youtube Video.
Final Reminder (Please Read This)
No single card is “the best”.
The best card is the one that:
- matches your spending
- fits within caps
- you can actually manage
Use:
- card summaries for quick decisions
- full reviews if you want depth
- sign-up deals to avoid losing rewards
And if you ever feel lost — just ask a question on telegram channel.
This is my “home base” for everything credit cards 💳✨
