No single miles credit card fits a whole month of spending: bonus rates stop at around S$1,000, and no one card wins every category. Put in your numbers and we will work out which combination of 21 Singapore cards best fits your spending profile, and exactly what to put on each.
Drag to adjust, or type an exact figure. Rough numbers are fine.
We apply each card's published earn rates, caps and exclusions to your numbers and find the combination that earns most. No bank pays for placement.
Banks gate bonuses on how you pay, so we assume dining, groceries and in-store are tapped in person, and transport, online shopping and travel are paid online.
Left out on purpose: bills, insurance, school fees, tax and instalments. Almost no miles card earns on any of them, so including them would not change the answer.
Cards needing over S$100,000 of income are left out: their fees run S$498 to S$1,744 and none can be waived by spending.
Offers and terms change often, so confirm with the issuer. This is a calculator, not financial advice. Pay your balance in full: interest costs far more than any miles are worth.
It depends on where your money goes each month. Every Singapore miles card caps its bonus rate, most somewhere between S$600 and S$1,000 of spending, and each earns on different categories, so the answer is usually a small combination of cards rather than one. The builder above works that combination out from your own numbers, free and without an account.
Bonus rates stop early. A card paying 4 miles per dollar typically pays it on the first S$600 to S$1,000 a month, and spending past the cap can earn as little as 0.4. A second card pointed at the categories the first one misses can keep more of your month at the bonus rate. The trade is annual fees and minimum spends, which the builder prices in before it ever suggests another card.
It searches combinations of 21 Singapore miles cards using the earn rates, caps, minimum spends and payment-channel rules in the banks' own terms and conditions, then shows the combination that can earn the most on your inputs and exactly what to put on each card. It is a calculator working from the numbers you enter, not financial advice, and the banks' current terms always take precedence. Sign-up offers shown were last checked on 6 September 2026.
HSBC Revolution · HSBC TravelOne · Citi PremierMiles · Citi Rewards · UOB PRVI Miles · UOB Lady's Card · UOB Preferred Visa · UOB Visa Signature · KrisFlyer UOB Credit Card · DBS Altitude · DBS Woman's World · OCBC 90N · OCBC Rewards · American Express Singapore Airlines KrisFlyer Ascend · American Express Singapore Airlines KrisFlyer Credit Card · American Express The Rewards Card · Maybank Horizon Visa Signature · Maybank World Mastercard · Maybank XL Rewards Card · Standard Chartered Journey · BOC Elite Miles. Rates and offers change often, so confirm the current terms with the bank before applying, and see the card reviews for how each one holds up in practice.
The reviews go deeper: which merchants secretly earn nothing, and how to actually redeem the miles.
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