Truffle
Free tool · Wallet Builder

Which cards should you actually carry?

Every card caps its bonus at around S$1,000 a month, so one card is rarely the answer. Put in your numbers and we will work out which of 21 Singapore miles cards earn the most together, and exactly what to put on each.

What do you spend in a month?

Drag to adjust, or type an exact figure. Rough numbers are fine. Everything stays in your browser: nothing is stored or sent anywhere.

Left out on purpose: school and tuition fees, insurance premiums, utility and telco bills, hospital bills, government payments and tax, top-ups to wallets like YouTrip or EZ-Link, anything on an instalment plan, and services like doctors, dentists, vets, hairdressers and repairs. Almost every miles card earns nothing on these, so adding them would not change which cards come out on top.

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How this works.We take your numbers, apply each card's published earn rates, bonus caps and exclusion lists, and work out which combination earns the most. Nothing else affects the result and no bank pays for placement. Because the banks gate bonuses on how you pay, we assume dining, groceries and everyday spending are tapped in person, and that ride hailing, shopping and travel are paid online. If your habits differ, your mileage will too. Cards needing an income above S$100,000 are left out. Welcome offers and card terms change often, so confirm rates, fees and eligibility with the issuer before applying. This is a calculator, not financial advice, and it says nothing about whether a credit card suits your circumstances. A credit card is a payment tool, not free money: pay the balance in full every month, or interest will cost far more than any miles are worth.

Got your card. Now use it properly.

The reviews go deeper: which merchants secretly earn nothing, and how to actually redeem the miles.

Read the card reviews
The other half of Truffle

Miles are what you do with what you spend. Investing is what you do with what is left.

I nerd out on both. Plain-English market reads, the tools I actually trade with, and a monthly write-up of what I hold, including the calls that went against me.

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