UOB Krisflyer Card Review | What You Need To Know

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.

UOB Krisflyer Card Overview:

The UOB KrisFlyer credit card is a travel credit card that lets you earn and redeem miles directly with Singapore Airlines and Scoot with no transfer fee. You can earn up to 3 KrisFlyer miles per dollar spent on Singapore Airlines Group (SIA) and Kris+. You can also earn 3 Krisflyer miles per dollar on select categories with a minimum S$800 spend per card membership year on SIA Group-related transactions.

Local Earn Rate	1.2 miles per dollar
Foreign Currency Earn Rate	1.2 miles per dollar
Bonus Earn Rate	3 miles per dollar (Singapore Airlines, Scoot, KrisShop and Kris+ purchases)
Spending Cap for Bonus Earn Rate	None
Foreign Currency Fees	3.25%
Lounge Access	No
Airport Limo	No
Points Expiry	3 years

Eligibility & Fees:

Minimum Age: 21 years old
Minimum Annual Income: S$30,000 (locals/PRs); S$40,000 (foreigners)
Annual Fee: S$194.40 (incl. GST), waived for first year

Key Benefits:

Earn 3 miles per dollar on SIA-related spend—Singapore Airlines, Scoot, KrisShop, and Kris+ transactions + Pelago Bookings
Earn 2.4 miles per dollar on Dining, Online Shopping, Online Travel, and Transport when you spend S$1,000 on SIA related spends in a card membership year (see “Past Buffs/Nerfs” below for more info)
Earn 1.2 miles per dollar on all other purchases
Since points are earned for every S$5 spent, a $4.99 purchase will not earn you any points.
Up to S$500,000 worth of complimentary travel insurance
2x S$15 Grab Voucher for rides to/from Changi Airport
2x S$15 Voucher for Changi WiFi
Earn extra KrisFlyer miles for every S$1 spent when you open a KrisFlyer UOB Account. The total bonus miles are limited to 5% of your monthly average balance. But personally, I don’t think it’s worthwhile.

With Deposit Balance (Monthly Average Balance)	Bonus KrisFlyer miles earned per S$1 spend
$1,000 and above	+5 miles +6 Miles (With Salary Crediting)

How to Best Optimise it:

Best Used in Singapore Airline Group (SIA) Related Transactions and Kris+ Transactions

You can earn 3 Krisflyer miles per dollar (in a calendar month) with no minimum spend and no cap for these transactions. This applies to both online and offline spending, in SGD or foreign currency. SIA Transactions are defined as:
- Singapore Airlines
- Scoot
- KrisShop
You can also earn an uncapped 3 miles per dollar on Pelago Bookings
No transfer fee on miles because they’re already KrisFlyer miles. Base KrisFlyer miles will be credited directly to your KrisFlyer membership account each month. The Bonus KrisFlyer miles will be credited to your account only after you pay the KrisFlyer UOB Card’s annual fee of S$194.40. Following that, you can expect to receive the bonus miles within two months of the payment. Basically, there’ll be a 14-month delay before your bonus miles can reach your account.

Scoot Privileges:

	Principal Holder	Companion
Additional 5kg Allowance (min. 20kg allowance purchase)	Yes	No
Complimentary Standard Seat Selection for Principal Cardholder	Yes	Yes
One-time Booking Flexibility Waiver	No	No
Complimentary Priority Check-in and Boarding	Yes	Yes

Best for Dining & Online Food Delivery, Online Shopping, Online Travel & Transport when you hit S$1,000 SIA Spend

If you spend at least S$1,000 on SIA Group-related transactions to your card in a card membership year, you can also earn 2.4 Krisflyer miles per dollar on these transactions:

Categories	MCCs	Examples
Dining & Online Food Delivery	5812, 5813, 5814	Crystal Jade, Imperial Treasure, Paradise Dynasty, Brewerkz, Harry’s, Burger King, KFC, Starbucks, McDonald’s, Deliveroo, Food Panda and GrabFood
Online Shopping	4816, 5262, 5306, 5309, 5310, 5311, 5331, 5399, 5611, 5621, 5631, 5641, 5651, 5661, 5691, 5699, 5732, 5733, 5735, 5912, 5942, 5944-5949, 5999, 7278	Fashion websites selling clothes, shoes, jewelry, accessories, and bags + it covers a wide range of MCCs including Amazon, Ezbuy, Lazada, Qoo10, Shopee, and Taobao
Online Travel Transactions	No specific MCCs but specific merchants:	Agoda, Airbnb, Booking.com, Expedia, hotels.com, Kaligo, Traveloka, Trip.com, uobtravel
Transport	4121	BUS/MRT only, Gojek, Grab, Comfort

What to Avoid:

Exclusion under Online Shopping Category:

Online payments to MCCs 5734 (Computer Software Stores), 5964-5969 (Direct Marketing Merchants), 5970 (Artist Supply Stores, Craft Shops), 5992 (Florists)

Standard Exclusion List:

MCC	Description
4829	Wire Transfer/Remittance
4900	Utilities
5199	Nondurable Goods
5960	Direct Marketing – Insurance Services
5965	Direct marketing – Combination Catalog and Retail Merchants
5993	Cigar Stores and Stands
6012	Member Financial Institution–Merchandise and Services
6050	Quasi Cash–Financial Institutions, Merchandise and Services
6051	Quasi Cash–Merchant (Non-Financial Institutions – Foreign Currency, Non-Fiat Currency, Cryptocurrency)
6211	Securities–Brokers and Dealers
6300	Insurance Sales/Underwrite
6399	Insurance
6513	Real Estate Agents & Managers – Rentals
6529	Quasi Cash-Remote Stored Value Load-Financial Institute Rentals
6530	Quasi Cash-Remote Stored Value Load-Merchant Rentals
6534	Quasi Cash-Remote Money Transfers
6540	Stored Value Card Purchase/Load
7349	Clean/Maint/Janitorial Serv aka Property Management
7511	Quasi Cash – Truck Stop Trxns
7523	Automobile Parking Lots and Garages
7995	Gambling – Betting, including Lottery Tickets, Casino Gaming Chips, Off-Track Betting, and Wagers at Race Tracks
8062	Hospitals
8011	Doctors–not elsewhere classified
8099	Health Practitioners, Medical Services – Not Classified Elsewhere
8211	Schools, Elementary and Secondary
8220	Colleges, Universities, Professional Schools and Junior Colleges
8241	Schools, Correspondence
8244	Schools, Business and Secretarial
8249	Schools, Trade and Vocational
8299	Schools and Educational Services–Not Elsewhere Classified
8398	Charitable and Social Service Organizations
8661	Religious Organizations
8651	Political Organizations
8699	Membership Organizations (Not Elsewhere Classified)
8999	Professional Services (Not Elsewhere Classified)
9211	Court Costs including Alimony and Child Support
9222	Fines
9223	Bail and Bond Payments
9311	Tax Payment
9402	Postal Services—Government Only
9405	Intra-Government Purchases—Government Only
9399	Government Services—not elsewhere classified

Excluded Transaction Descriptions:

AXS*	PAYPAL * CAPITALROYA
AMAZE* (wef 1 October 2024)	PAYPAL * OANDAASIAPA
AMAZE* TRANSIT* (wef 1 March 2022)	PAYPAL* PLUS500
BANC DE BINARY*	PAYPAL* PLUS500.COM
BANCDEBINARY.COM*	Saxo Cap Mkts Pte Ltd
EZ LINK PTE LTD (FEVO)	SKR*SKRILL.COM
EZ Link transport	SKRxglobalmarkets.com
EZ Link*	SKYFX.COM*
EZ-LINK (IMAGINE CARD)	TRANSIT*
EZ-Link EZ-Reload (ATU)	WWW.IGMARKETS.COM.SG
EZLINK*	City Index*
EzLink*	YOUTRIP*
EZ-LINK*	IPAYMY* (wef 1 August 2022)
FlashPay ATU*	RWS-LEVY* (wef 1 August 2022)
MB * MONEYBOOKERS.COM	SMOOVE PAY* (wef 1 August 2022)
NETS VCASHCARD*	SINGPOST-SAM* (wef 1 August 2022)
NORWDS* (wef 21 July 2024)	RazerPay* (wef 1 August 2022)
OANDA ASIA PAC*
OANDAASIAPA
PAYPAL * BIZCONSULTA

Past Buffs/Nerfs:

Buffs:

From 1 June 2025, you can earn an uncapped 3 miles per dollar on Pelago Bookings

Nerfs:

From 1 June 2025

The bonus 3 miles per dollar (1.8 mpd bonus miles + 1.2 mpd base miles) for online food delivery, online shopping, online travel & transport will be decreased to 2.4 miles per dollar (1.2 mpd bonus miles + 1.2 mpd base miles)
Also, the minimum spend required will be increased from S$800 to S$1,000
These changes will apply to UOB Krisflyer cards that are renewed or approved from December 2024

From 1 October 2024

UOB will no longer include Amaze transactions in its rewards program— will no longer earn krisflyer miles
UOB has always had an Amaze exclusion in its terms and conditions, but this exclusion was only applicable specifically on AMAZE*TRANSIT*. Starting 1 October 2024, however, the Amaze exclusion will be definite.

Is it Worth it:

Advantages:

Earn an uncapped 3 miles per dollar on SIA related transactions
Miles transfer fees are free— earn KrisFlyer miles directly
With a KrisFlyer UOB account, you can receive up to 6 bonus miles per dollar

Disadvantages:

Miles are only transferrable to one transfer partner since it is a co-branded card.
The minimum yearly spend of S$800 may be difficult to hit, more so after 1 June 2025 when this increased to S$1,000
Miles may take up to 14 months to arrive – therefore you should take note of this if you wish to cancel your card

Frequently Asked Questions:

Is there a transfer fee: There’s no transfer fee for miles since they’re already KrisFlyer miles.
When will I receive my miles: Base KrisFlyer miles are credited to your KrisFlyer account each month. Bonus KrisFlyer miles will be credited after you pay the KrisFlyer UOB Card’s annual fee of S$194.40. You’ll receive the bonus miles within two months of the payment, so expect a 14-month delay before your bonus miles appear in your account.
Watch these Videos:
- Part 1 : UOB Krisflyer Credit Card vs HSBC Revolution Card
- Part 2 : UOB Krisflyer Credit Card + UOB Krisflyer Deposit Account (watch this if no time to watch all three)
- Part 3 : UOB Krisflyer Debit Card: Is it worth getting?

Additional Resources:

Read Terms and Conditions here

Final Thoughts:

If you frequently travel with Singapore Airlines and you have a substantial amount of spending in the 3 miles per dollar category, you might consider applying for this credit card.

💳 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.

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lobangsis

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

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Citi Rewards

Get 22,000 HeyMax Miles or Dyson Airstrait™ straightener or Galaxy Buds 4 Pro + S$150 eCapitaVoucher or S$380 Cash via PayNow when you spend S$500 within 30 days of card approval

Valid till: May 3, 2026

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OCBC Infinity

Get Dyson Airstrait or 22k Heymax Miles or Samsung Galaxy Buds4 Pro + S$180 eCapitaVoucher Bundle or S$400 Cash via PayNow when you spend S$400 within 30 days of card approval

Valid till: May 3, 2026

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HSBC Revolution

Get Samsung Galaxy Buds4 Pro + S$160 eCapitaVoucher Bundle or Dyson Airstrait™ straightener or 22k HeyMax Miles or S$400 Cash via PayNow when you spend S$500 by the end of the following calendar month + provide marketing consent

Valid till: May 3, 2026

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Citi Cashback

Get 22,000 HeyMax Miles or Dyson Airstrait™ straightener or Galaxy Buds 4 Pro + S$150 eCapitaVoucher or S$380 Cash via PayNow when you spend S$500 within 30 days of card approval

Valid till: May 3, 2026

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 22,000 HeyMax Miles or Dyson Airstrait™ straightener or Galaxy Buds 4 Pro + S$150 eCapitaVoucher or S$380 Cash via PayNow when you spend S$500 within 30 days of card approval

Valid till: May 3, 2026

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OCBC Infinity

Get Dyson Airstrait or 22k Heymax Miles or Samsung Galaxy Buds4 Pro + S$180 eCapitaVoucher Bundle or S$400 Cash via PayNow when you spend S$400 within 30 days of card approval

Valid till: May 3, 2026

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HSBC Revolution

Valid till: May 3, 2026

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Citi Cashback

Get 22,000 HeyMax Miles or Dyson Airstrait™ straightener or Galaxy Buds 4 Pro + S$150 eCapitaVoucher or S$380 Cash via PayNow when you spend S$500 within 30 days of card approval

Valid till: May 3, 2026

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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

UOB Lady’s Card

First eligible applicant at 2pm and 10pm daily to claim the below reward:
- 01 – 15 April 2026
  - 2PM – S$500 Cash via PayNow
  - 10PM – Dyson Airstrait (cost S$400, worth S$799)
- 16 – 30 April 2026
  - 2PM – Apple iPhone 17 256G (worth S$1,299)
  - 10PM – 44k MaxMiles by HeyMax (worth S$792)
Remaining Customers: S$90 Cash via PayNow
Must spend S$500 within the first 30 days from card approval
Valid for New-to-Bank Cardholders
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!

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$1,500 — spending cap of S$750 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

UOB Visa Signature

First eligible applicant at 2pm and 10pm daily to claim the below reward:
- 01 – 15 April 2026
  - 2PM – S$500 Cash via PayNow
  - 10PM – Dyson Airstrait (cost S$400, worth S$799)
- 16 – 30 April 2026
  - 2PM – Apple iPhone 17 256G (worth S$1,299)
  - 10PM – 44k MaxMiles by HeyMax (worth S$792)
Remaining Customers: S$90 Cash via PayNow
Must spend S$500 within the first 30 days from card approval
Valid for New-to-Bank Cardholders
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!

UOB Visa Signature

Earn 4 miles per dollar (10x UNI$ per S$5) on Overseas Spend with a minimum spend of S$1,000 in FCY per statement month
Earn 4 miles per dollar (10x UNI$ per S$5) on Petrol Spend and Contactless Transactions (including SimplyGo) with a minimum spend of S$1,000 in SGD per statement month
Spending Cap:
- Until 1 August 2025 Statement:
  - Combined cap of S$2,000 per statement month
- From 1 September 2025 Statement – Split into 2 categories:
  - Category 1 (Overseas Spends including Online): S$1,200 (UNI$2,400) per statement month
  - Category 2 (Petrol and Contactless Spends including SimplyGo): S$1,200 (UNI$2,400) per statement month
    
    Note: Categories 1 and 2’s cap are separate — you can meet just one or both.

Annual Fee

S$218 first year waived

Income Requirement

S$50,000 (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.

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$1,200 per calendar month
- Spend caps will be divided into 2 categories:
  - 1st category – Mobile Contactless Payment (S$600 spend cap)
  - 2nd Category – Selected Online Transactions (S$600 spend cap)
Earn 0.4 miles per dollar on other spending
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

Maybank Family & Friends Card

Receive Samsonite Interlace Spinner 67/24 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 6% or 8% cashback for five (5) of your chosen spend categories across ten (10) options.
- Each category has a cashback cap of S$120 or S$180 (which would max out at S$333.33 or S$375 of spending per category)
Earn bonus 8% cashback on Malaysian Ringgit or Indonesian Rupiah spends
Minimum spend of S$800 (Effective 01 January 2026, these changes will take effect):

Tier	Minimum Spend	Cap per Category
Tier 1 – 6% cashback	S$800 per calendar month	S$20 (max S$333.33 spend)
Tier 2 – 8% cashback	S$1,600 per calendar month	S$30 (max S$375 spend)
Base cashback will also drop from 0.3% to 0.22% for all other spend.	✔ Free Tablet Plus Membership	Base cashback will also drop from 0.3% to 0.22% for all other spend.

Earn unlimited 0.22% 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 cashback Welcome Offer when you spend S$800 in the first 2 months upon card approval
Valid til 4 May 2026
Read Terms and Conditions here

Option 2: Singsaver Promotion

Get 22,000 HeyMax Miles (worth S$396) or Dyson Airstrait™ straightener (worth S$799) or Galaxy Buds 4 Pro + S$150 eCapitaVoucher (worth $499) or S$380 Cash via PayNow upon activating and spending a min. S$500 within 30 days of card approval
Valid until 03 May 2026
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

Get Dyson Airstrait (worth S$799) or 22,000 HeyMax Miles (worth $600) or Samsung Galaxy Buds4 Pro + S$180 eCapitaVoucher Bundle (worth S$529) or S$400 Cash via PayNow when you S$400 within 30 days from card approval
Valid until 03 May 2026

Valid for New-to-Bank Cardholders
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!

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

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$1,000 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 One Card

First eligible applicant at 2pm and 10pm daily to claim the below reward:
- 01 – 15 April 2026
  - 2PM – S$500 Cash via PayNow
  - 10PM – Dyson Airstrait (cost S$400, worth S$799)
- 16 – 30 April 2026
  - 2PM – Apple iPhone 17 256G (worth S$1,299)
  - 10PM – 44k MaxMiles by HeyMax (worth S$792)
Remaining Customers: S$90 Cash via PayNow
Must spend S$500 within the first 30 days from card approval
Valid for New-to-Bank Cardholders
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!

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

POSB Everyday Card

Get S$340 eCapitaVoucher or 20K HeyMax Miles (worth S$320) or Samsung Galaxy Buds4 Pro + $100 eCapitaVoucher (worth $449) or Dyson TP10 (worth S$599) or S$300 Cash via PayNow when you apply with with the promo code: SINGSAVER, spend S$500 + have a valid DBS PayLah! account within 30 days from card approval
Valid for New to DBS/POSB Customers only
Valid until 15 April 2026
Read Terms and Conditions here

POSB Everyday Card

S$800 Minimum Spend:

10% cash rebates on online food delivery from foodpanda and Deliveroo
3% cash rebates on other dining spends
5% cash rebates on Malaysia Ringgit spend every Saturday and Sunday
5% cash rebates on Online Shopping at selected merchants
up to 3% cash rebates on Telco Bills
8% cash rebates at Popular Bookstores

No Minimum Spend:

3% cash rebates on Pet Lovers Centre (Min. S$15 Spend on regular-priced items)
5% cash rebates on Sheng Siong
up to 22.93% on fuel savings when you use it on SPC petrol stations islandwide.
up to 3% cash rebates on utility bills with selected electricity retailers

Annual Fee

S$196.20 (incl. of GST), waived for the first year.

Income Requirement

S$30,000 and above per annum (locals & PRs); S$45,000 and above per annum (Foreigner)

Where do I redeem my Daily$

You can redeem you Daily$ using various options:

- Instants Daily$ redemption:
  - Use your Daily$ to offset your purchase instantly in-stores at participating merchants: Sheng Siong, SPC, Watsons, Pet Lovers Centre
- DBS PayLah!
  - Offset any of your purchases with Daily$ anytime, anywhere. Find out more here
- Digibank Online
  - Offset your credit card bills or redeem Krisflyer miles. Find out more here
- Participating Merchants’ Website or Mobile App
  - Use Daily$ to offset your online purchases instantly at participating merchants’ website or mobile app:
    - DBS Apple Rewards Store
    - Shopee
    - Zalora
    - AXS

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Terms and Condition

Full Review

HSBC Live+ Card

Get Samsung Galaxy Buds4 Pro + S$160 eCapitaVoucher Bundle (worth S$509) or Dyson Airstrait™ straightener (worth S$799) or 22,000 HeyMax Miles (worth S$450) or S$400 Cash via PayNow when you spend S$500 by the end of the following calendar month + provide marketing consent
Valid until 03 May 2026
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 03 May 2026
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 Live+ Card

Earn 5% cashback capped at S$3,125 spending on dining, entertainment, and shopping categories.
There is a minimum spend required monthly of S$600 in each quarter, per calendar month but it is easy to hit the amount of spending with just one category. This means that you could spend S$600 on dining category in Jul, S$600 in shopping category in Aug, S$600 in entertainment category in Sept and receive your full 5% cashback.

Pro-tip: You can buy vouchers via heymax to clock the minimum spending or for large electronic purchases at Courts, Best Denki or furniture purchases at IKEA.

Annual Fee

S$196.20 (first year waived) (For subsequent years, you can request for a waiver)

Income Requirement

The amount of Total Relationship Balance—combined value of your deposits, investments, and insurance with HSBC, based on average monthly balance over the last 3 months— will determine the income requirement
- Less than S$50,000 TRB
  - Salaried (locals/PRs): S$65,000
  - Self-Employed/Commission-based (locals/PRs): S$65,000
  - Foreigners: S$65,000
- S$50,000 and above TRB
  - Salaried (locals/PRs): S$30,000
  - Self-Employed/Commission-based (locals/PRs): S$40,000
  - Foreigners: S$65,000

When is Cashback Credited

It will be credited within 2 months, after the end of each calendar quarter.

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Terms and Conditions

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DBS Altitude Card

Get S$340 eCapitaVoucher or 20K HeyMax Miles (worth S$320) or Samsung Galaxy Buds4 Pro + $100 eCapitaVoucher (worth $449) or Dyson TP10 (worth S$599) or S$300 Cash via PayNow when you apply with with the promo code: SINGSAVER, spend S$500 + have a valid DBS PayLah! account within 30 days from card approval
Valid for New to DBS/POSB Customers only
Valid until 15 April 2026
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

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