- Local Spend
- S$1 = 1.5 miles or 1.5% cashback
- Overseas Spend
- S$1 = 2.2 miles or 2.2% cashback
- Dining and Petrol Spend (capped at S$2,000 per calendar month till 31 Dec 2022)
- S$1 = 4 miles or 4% cashback
- Cash Back on Online Spend & Visa Contactless
- Up to 5%
- Min. Spend
- S$600
- Cash Back Cap
- Up to S$75
- Online Spend
- S$5 = 5 Points
- Agoda Staycation
- S$ = 5 Points
- Min. Spend
- S$0
- Online Spend
- S$5 = 10 Points
- Base Earn Rate
- S$5= 1 Point
- Min. Spend
- S$0
- Local Spend
- S$1 = 1.2 Miles
- Overseas Spend
- S$1 = 2 Miles
- Staycation bookings
- S$1 = 10 Miles
- Local Spend
- S$1 = 1.2 Miles
- Overseas Spend
- S$1 = 2 Miles
- Staycation bookings
- S$1 = 10 Miles
- Fuel Savings at Esso
- Up to 21.2%
- per S$10 charged outside of Esso
- 1 Smiles Point
- per 1 Litre of Synergy Fuel
- 1 Smiles Point
- Cash Rebate on eligible spend
- Up to 3%
- Min. Spend per month
- S$500
- Spend to SAFRA Points Conversion
- S$1 = 1 SAFRA Point
- Cash Back on McDonald’s, Starbucks, Netflix etc.
- 5%
- Spending Cap
- S$500
- Min. Income
- S$0
- At Takashimaya
- S$10 = 2 Taka Points
- Additional Takashimaya discount
- 10%
- Cash card top up
- S$6