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Which Card Should I Use Here?
Which Card Here?
Find which of your own credit cards earns the most miles or cashback on a purchase. Each card’s cap and rules are shown too.
New to this? Read The Short Guide First →
2 Your Result
Rewards vs your everyday card
Tick your cards, then tell us what you’re buying and how you’re paying.
What This Estimate Assumes
Rough estimate, not financial advice and not a recommendation to apply for any card. It ranks only the cards you tick. It uses earn rates, caps, minimum spends and payment rules from each bank’s official product page and terms, checked on (one card on ) and listed below. Card rules change often, sometimes monthly, so verify with your bank’s current terms before you pay. Banks set the final category from the merchant category code (MCC) sent by the shop’s terminal or payment processor. So a purchase may earn a different rate from the one shown. Our merchant categories are only a guide. Miles and cashback are ranked by estimated S$ value. Each mile is valued at the cents-per-mile you set (default 1.5 cents per KrisFlyer mile). This is an assumption, not a cash value. Caps and minimum spends use the “spent this month” figures you enter on this device. Foreign-currency rates are used only where the bank states one. Foreign-currency fees are not included. Not every shop accepts American Express. We do not model per-transaction rounding, excluded transactions, fees, annual-fee waivers, welcome offers or statement-month timing. Cards not checked within 30 days are left out of the ranking. Pay your bill in full: interest costs more than any miles.
3 What Next
See Every Step AgainRead The GuideWhich Of My Credit Cards Should I Use For This Purchase? →My Usual Spends
Save up to eight regular purchases on this device. Each is matched to one of your ticked cards, filling caps in the order listed.
Monthly Cap Tracker
Enter what you’ve already spent this month. Cards whose bonus cap is used up are skipped by the picker. Figures stay on this device.
Compared with your everyday card, you could earn
Which Card For What
What This Estimate Assumes
Rough estimate, not financial advice. Spends are matched in the order listed, and each one uses up that card’s monthly cap. It uses the same card terms (checked (one card on )) and limits as Pick A Card. Banks decide the final merchant category, so check each bank’s current terms.
Card Rules Changed This Month
September 2026 edition, checked on against each bank’s official pages. A dated review, not a live feed.
- OCBC 365 Credit Card: OCBC 365 moves to one S$800 minimum spend with a S$160 monthly cap. Dining, groceries and land transport rise to 6% (petrol stays 6%). Watsons stays at 3% until 31 March 2027. Telco, utilities, streaming and EV charging drop to the 0.25% base. The picker and the comparison switch to these rules on 1 November. Official source (opens in new tab)
- DBS Vantage Visa Infinite Card: Local spend on the DBS Vantage Card drops from 1.5 to 1.4 miles per S$1. Overseas spend stays at 2.2 miles per S$1. The picker and the comparison switch on 2 November. Official source (opens in new tab)
- DBS yuu Card: The DBS yuu American Express Card now earns yuu bonus rewards at 7-Eleven, as American Express is accepted at all 7-Eleven outlets. Official source (opens in new tab)
- UOB Absolute Cashback Card: Overseas transactions in UOB’s selected merchant codes (such as education, medical and utilities) and overseas Grab wallet top-ups now earn 0.3% instead of 1.7%. Official source (opens in new tab)
- UOB PRVI Miles Card (Visa, Mastercard Or American Express): The American Express version’s 20,000-mile loyalty bonus now needs S$80,000 of annual spend instead of S$50,000 for cards approved from 1 August 2026 (existing cards from their first membership-year statement on or after 1 October 2026). Official source (opens in new tab)
- DBS Altitude Card (Visa Or American Express): The annual-fee waiver for S$25,000 of retail spend in the previous card year has ended. Earn rates are unchanged at 1.3 mpd local and 2.2 mpd foreign currency. Official source (opens in new tab)
- DBS Woman’s World Card: DBS updated the Woman’s Card terms on 27 July 2026. The online bonus remains 4 mpd on the first S$1,000 of online spend per calendar month. Official source (opens in new tab)
Apart from the OCBC 365 and DBS Vantage changes above (rechecked 30 Sep 2026), no other earn-rate, cap or minimum-spend changes effective between 1 August and 30 November 2026 were found on the official pages checked for the cards covered. Some bank notice pages only partly loaded.
Cards Covered And When We Checked Them
39 of 41 specialised Singapore miles cards checked, using only each bank’s official product page and terms. Unchecked cards are listed but never ranked. We rank a card only while its check is less than 30 days old. Welcome offers, annual fees and foreign-currency bonuses are not covered.
| Card | Earn Rate | Bonus Cap | Terms |
|---|---|---|---|
| DBS Woman’s World Card (opens in new tab) | 0.4 mpd base; up to 4 mpd | S$1,000 per calendar month | Checked |
| DBS yuu Card (opens in new tab) | 0.14 mpd base; up to 10 mpd | S$3,200 (approx.) per calendar month | Checked |
| Citi Rewards Card (opens in new tab) | 0.4 mpd base; up to 4 mpd | S$1,000 (approx.) per statement month | Checked |
| UOB Preferred Visa Card (opens in new tab) | 0.4 mpd base; up to 4 mpd | S$600 (approx.) per calendar month (selected online spend); S$600 (approx.) per calendar month (mobile contactless (phone tap)) | Checked |
| UOB Lady’s Card (opens in new tab) | 0.4 mpd base; up to 4 mpd | S$1,000 (approx.) per calendar month | Checked |
| UOB Visa Signature Card (opens in new tab) | 0.4 mpd base; up to 4 mpd | S$1,200 per statement month | Checked |
| KrisFlyer UOB Credit Card (opens in new tab) | 1.2 mpd base; up to 3 mpd | No monthly cap found | Checked |
| HSBC Revolution Credit Card (opens in new tab) | 0.33 mpd base; up to 3.33 mpd | S$1,000 (approx.) per calendar month | Checked |
| OCBC Rewards Card (opens in new tab) | 0.4 mpd base; up to 4 mpd | S$1,111 (approx.) per calendar month | Checked |
| American Express KrisFlyer Credit Card (opens in new tab) | 1.1 mpd base; up to 2 mpd | S$200 per calendar month | Checked |
| American Express KrisFlyer Ascend Credit Card (opens in new tab) | 1.2 mpd base; up to 2 mpd | S$200 per calendar month | Checked |
| Citi PremierMiles Card (opens in new tab) | 1.2 mpd base; up to 1.2 mpd | No monthly cap found | Checked |
| DBS Altitude Card (Visa Or American Express) (opens in new tab) | 1.3 mpd base; up to 1.3 mpd | No monthly cap found | Checked |
| UOB PRVI Miles Card (Visa, Mastercard Or American Express) (opens in new tab) | 1.4 mpd base; up to 1.4 mpd | No monthly cap found | Checked |
| OCBC 90°N Card (Visa Or Mastercard) (opens in new tab) | 1.3 mpd base; up to 1.3 mpd | No monthly cap found | Checked |
| Standard Chartered Journey Credit Card (opens in new tab) | 1.2 mpd base; up to 3 mpd | S$1,000 per statement month | Checked |
| HSBC TravelOne Credit Card (opens in new tab) | 1 mpd base; up to 1 mpd | No monthly cap found | Checked |
| UOB One Card (opens in new tab) | 0% base; up to 0% | No monthly cap found | Checked ; not modelled — not ranked |
| UOB EVOL Card (opens in new tab) | 0.3% base; up to 10% | S$300 (approx.) per statement month (online and phone tap (singapore dollars)); S$200 (approx.) per statement month (selected telco and streaming) | Checked |
| UOB Absolute Cashback Card (opens in new tab) | 1.7% base; up to 1.7% | No monthly cap found | Checked |
| OCBC 365 Credit Card (opens in new tab) | 0.25% base; up to 6% | S$1,333 (approx.) per calendar month | Checked |
| OCBC FRANK Credit Card (opens in new tab) | 0.3% base; up to 8% | S$313 (approx.) per calendar month (foreign currency); S$313 (approx.) per calendar month (online and phone tap (singapore dollars)) | Checked |
| Citi Cash Back Card (opens in new tab) | 0.2% base; up to 8% | S$1,000 (approx.) per statement month | Checked |
| Citi Cash Back+ Card (opens in new tab) | 1.6% base; up to 1.6% | No monthly cap found | Checked |
| Standard Chartered Simply Cash Credit Card (opens in new tab) | 1.5% base; up to 1.5% | No monthly cap found | Checked |
| Standard Chartered Smart Credit Card (opens in new tab) | 0.5% base; up to 10% | No monthly cap found | Checked |
| DBS Live Fresh Card (opens in new tab) | 0.3% base; up to 6% | S$833 (approx.) per calendar month (shopping); S$333 (approx.) per calendar month (transport) | Checked |
| POSB Everyday Card (opens in new tab) | 0.3% base; up to 10% | S$400 (approx.) per calendar month (sheng siong); S$200 (approx.) per calendar month; S$200 (approx.) per calendar month (simplygo bus and mrt); S$400 (approx.) per calendar month (named online stores) | Checked |
| BOC Elite Miles World Mastercard (opens in new tab) | 1.4 mpd base; up to 1.4 mpd | No monthly cap found | Checked |
| HSBC Live+ Credit Card (opens in new tab) | 0.3% base; up to 5% | S$5,000 (approx.) per calendar month | Checked |
| American Express True Cashback Card (opens in new tab) | 1.5% base; up to 1.5% | No monthly cap found | Checked |
| CIMB Visa Signature (opens in new tab) | 0.2% base; up to 10% | S$200 (approx.) per statement month; S$200 (approx.) per statement month; S$200 (approx.) per statement month | Checked |
| CIMB World Mastercard (opens in new tab) | 0% base; up to 2% | No monthly cap found | Checked |
| Trust Link Credit Card (opens in new tab) | Not verified | Not verified | Not verified — not ranked |
| DBS Vantage Visa Infinite Card (opens in new tab) | 1.5 mpd base; up to 1.5 mpd | No monthly cap found | Checked |
| OCBC VOYAGE Card (opens in new tab) | 1.3 mpd base; up to 1.3 mpd | No monthly cap found | Checked |
| Citi Prestige Card (opens in new tab) | 1.3 mpd base; up to 1.3 mpd | No monthly cap found | Checked |
| UOB Visa Infinite Metal Card (opens in new tab) | 1.4 mpd base; up to 1.4 mpd | No monthly cap found | Checked |
| Standard Chartered Beyond Credit Card (opens in new tab) | 1.5 mpd base; up to 1.5 mpd | No monthly cap found | Checked |
| Citi SMRT Card (opens in new tab) | 0.3% base; up to 5% | S$1,000 (approx.) per statement month | Checked |
| BOC NVMO Card (opens in new tab) | 0.3% base; up to 10% | S$250 (approx.) per statement month; S$313 (approx.) per statement month; S$833 (approx.) per statement month | Checked |
Before You Tap
Why Did My Purchase Earn A Different Rate?
Banks give bonuses based on the merchant category code (MCC) and how you pay, not the shop’s name. The same brand can code differently in store, online and inside an app. Check your statement and the bank’s terms.
Does This Tool Recommend A New Card?
No. It only ranks cards you tell it you already hold. To compare cards you do not hold, use the credit-card comparison, then read each bank’s terms before applying.
Where Are My Cards And Spends Stored?
Only in this browser on this device. Nothing is sent to WealthMastery.sg, and clearing your browser data removes it.