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Time really flies, and an update is long overdue since the last post in 2015 (Version 4 here). Since then, ANZ has moved out of Singapore and there are a free more credit cards added to the list! This time, instead of a top 3 list, I have decided to come up with a separate list of specific cards to use for specific purposes.

1.Brainless credit card for everyday spending locally

Looking at the list above, it’s not hard to see that the highest earning in earns of miles per dollar (mpd) is UOB PRVI Miles which earns 1.4 mpd – with no minimum spend or cap. However, do note that UOB miles accrual is per $5 spend so a purchase of $4.99 will not earn any miles. Also, there is an expiry date of 2 years from time of accrual of miles.

If you have specific purposes like dining, then OCBC Voyage & Maybank Horizon Visa Signature would be the best as both will earn 2.3 miles per dollar, but do note that the latter has a minimum spend of $300 per month! The next in line is HSBC Revolution which earns 2 mpd.

2. Best credit card for spending overseas

Standard Chartered Visa Infinite will earn 3 miles per $1 only when you exceed $2000 for that month. Otherwise, UOB PRVI Miles cards would be next in line with 2.4 mpd, and OCBC Voyage just behind at 2.3 mpd – both with no minimum spend!

3. High income earners only

Citibank Prestige MasterCard and Standard Chartered Visa Infinite credit cards are only for high income earners with earn $120k per annum. These credit cards come with high annual fees above $500 p.a., but come with a lot of miles as well when you sign up. The additional perks like bonus relationship miles for Citibank long-term customers and free limousine rides are also unique to this card.

Standard Chartered Visa Infinite credit card also has unique features like Hilton HHonors Gold status with 2 nights stay as well as 10% cash rebate for Uber rides (no minimum required), as well as other freebies like 2 visits to the Fullerton Hotel Spa & Fitness Centre/mth and free Crystal Jade Jadeite membership.


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