What’s the difference between rewards, air miles, and hotel credit cards in Singapore?

Rewards credit cards: Earn flexible points per dollar (e.g. HSBC Revolution, Citi Rewards, OCBC Rewards) that can be redeemed for vouchers, gadgets, cashback, or miles. Air miles credit cards: Earn miles directly (e.g. KrisFlyer UOB Card, UOB PRVI Miles, OCBC 90°N). These cards are ideal for flight redemptions and travel perks. Hotel credit cards: Earn flexible rewards points that can be converted for cash vouchers, miles, shopping discounts, travel benefits, and more. Some miles cards like OCBC 90°N Card and HSBC TravelOne Card even allow point-to-hotel loyalty transfers or direct hotel bookings.

How do I redeem and transfer points or miles?

Redeem points through your bank’s rewards portal for vouchers, cashback, or travel. For air miles, transfer your points to airline partners such as KrisFlyer or Asia Miles. Some cards like KrisFlyer UOB Credit Card automatically credit miles to KrisFlyer, removing the need for manual transfers. Note: Minimum redemption thresholds and transfer fees (around $25–$27) typically apply—except for cards KrisFlyer UOB that already earn KrisFlyer miles directly, hence waiving transfer / conversion fees.

What credit card eligibility quirks should I watch out for?

Annual income requirements: Most cards need at least $30,000 annual income for Singaporeans/PRs (e.g. HSBC Revolution, Citi Rewards). Whereas other cards like OCBC Rewards, may drop their income requirement to $15,000 for those aged 55+. Foreigners: Minimum annual income ranges from $40,000–$90,000 depending on card tier. New-to-bank restrictions: Some bonuses apply only to first-time applicants or specific application channels.

What are the most common fees or “gotchas” on rewards cards?

Annual fee: Typically $196.20 per year; most rewards credit cards offer first-year fee waiver (e.g. Citi Rewards Card). Supplementary card fee: Typically $98.10; also often with first-year waivers. Foreign transaction fee: 3.25%–3.5% fee applied by your bank/credit card issuer for purchases made outside your home country or in foreign currency. Miles conversion fee: Typically $25–$27 per transfer, unless your credit card directly earns frequent flyer miles already.

Can I use points or miles for hotel bookings?

Yes. Cards like OCBC 90°N and UOB PRVI Miles allow hotel redemptions through partners like Agoda and Expedia, giving flexibility for leisure travellers.

Are all spends eligible for rewards?

No. Common exclusions include education, insurance, utilities, government charges, and e-wallet top-ups. Always refer to your card’s latest MCC (Merchant Category Code) list for precise eligibility.

What counts as “minimum spend” for promo eligibility?

Only qualified retail spend counts. Excluded transactions such as bill payments, cash advances, and fees do not contribute towards meeting minimum spend for sign-up promotions.

What’s the best way to claim a sign-up bonus or promo offer?

Apply for your preferred credit card through the MoneySmart credit card comparison page , meet the stated spend (e.g. $500 in 30 days), and activate your card promptly. Submit claims via your bank portal if required and keep all approval documentation.

Best Rewards Credit Cards: Singapore 2026

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What Are Rewards Credit Cards & Who Should Use Them?

Understanding rewards credit cards

Rewards credit cards let you earn points, miles, or cashback from everyday spending. Every dollar charged helps you accumulate rewards to later redeem for travel, vouchers, shopping credits, or statement rebates — great for consumers looking to squeeze out extra value out of their daily transactions.

Rewards credit cards come in several types:

General rewards cards: Earn flexible points redeemable for a variety of rewards, from dining to shopping perks.
Air miles cards: Catered to frequent flyers, converting spend into bonus miles that can be redeemed for flights, upgrades, and more.
Lifestyle or category-based cards: Offer higher earn rates in specific spend categories like dining, fashion, groceries, or online shopping.

Key features and how they work

Rewards credit cards assign an earn rate, often expressed as a number of points or miles per dollar spent. For example, the DBS Woman’s World Card and Citi Rewards Card reward bonus 10X points on select online purchases, while the HSBC Revolution Card gives 10X points for contactless and online transactions.

You can redeem these points through the bank’s rewards portal or transfer them to airline loyalty programs like KrisFlyer or Asia Miles. For instance, HSBC points expire after 37 months, but once converted to KrisFlyer miles, they expire 3 years later on the last day of the month in which they were earned. Some premium cards, however, offer rewards that never expire.

Key terms to know

Earn rate: The number of points or miles earned per $1 spent.
MCC (Merchant Category Code): Determines if a transaction qualifies for bonus points (e.g., dining, travel, or retail).
Reward cap: A monthly or annual spending limit on which bonus points can be earned.
Points expiry: Most reward points expire after 12–24 months, though some premium cards offer non-expiring points.
Redemption options: Rewards can be redeemed for air miles, vouchers, or cash rebates via online platforms or mobile apps.

Common rewards credit card eligibility and fees

To qualify for a rewards credit card in Singapore, applicants typically need to:

Be at least 21 years old
Earn a minimum annual income of $30,000 for Singaporeans/PRs, or $45,000–$60,000 for foreigners
Typically $196.20 annual fee with 1st year annual fee waiver available for select cards (e.g. HSBC Revolution, Citi Rewards Card).

Overview: Best Rewards Credit Cards in Singapore

Note:“MPD” refers to miles per S$1 spend.

Credit Card	Earn Rate	Minimum Annual Income	Annual Fee	Ideal For
DBS Woman’s World Card	10X DBS Points per $1 (4 mpd) on select online spend Capped at $2,000 spend per month	Locals: $30,000 Foreigners: $45,000	$196.20 (1st year waived)	Digital shoppers and young professionals
Citi Rewards Card	10X Citi ThankYou Points per $1 spend (4 mpd) on eligible online and retail fashion Bonus points capped at $1,000 spend per month	Locals: $30,000 Foreigners: $42,000	$196.20 (1st year waived)	Everyday online spenders
HSBC Revolution Card	10X Reward Points per $1 spend (4 mpd) on eligible online and contactless transactions	Locals: $30,000 Foreigners: $40,000	No annual fee	Everyday users who prefer no-fee flexibility
OCBC Rewards Credit Card	15 OCBC$ per $1 eligible spend (6 mpd) at Watsons and certain online shopping platforms (e.g. Lazada, Shopee, Taobao) 10 OCBC$ per $1 spend (4 mpd) on eligible online and retail purchases	Locals: $30,000 Foreigners: $45,000	$196.20 (First 2 years waived)	Dedicated shopaholics
UOB Lady’s Card	Up to UNI$25 per $5 spend (10 mpd) on enrolled category per quarter with UOB Lady’s Savings Account, no minimum spend required Bonus points capped at $1,000 spend per month	Locals: $30,000 Foreigners: $40,000	$196.20 (1st year waived)	Flexibility in chosen bonus categories
UOB Preferred Platinum Visa Card	Up to UNI$10 per $5 (4 mpd) via eligible mobile contactless, online shopping, public transport, and entertainment spend Bonus points capped at $1,110 spend per month	Locals: $30,000 Foreigners: $40,000	$196.20 (1st year waived)	Everyday users maximising PayWave and mobile spend
Standard Chartered Rewards+ Card	10X points on eligible foreign currency spend 5X points on eligible local dining spend	Locals: $30,000 Foreigners: $90,000	$196.20 (1st year waived)	Frequent diners and travellers
Maybank Horizon Visa Signature Card	7X points per $1 (2.8 mpd) on eligible air tickets and foreign currency spend 3X points per $1 (1.2 mpd) on eligible local shopping, groceries, dining, and hotel bookings	Locals: $30,000 Foreigners: $45,000 (Malaysians); $60,000 (everyone else)	$196.20 (waived with $18,000 annual spend)	Everyday spenders; occasional travellers
UOB Visa Signature Card	Up to UNI$10 per $5 (4 mpd) on eligible overseas (including online), petrol, and contactless transactions Bonus points capped at $1,000 spend per month	Locals: $30,000 Foreigners: $40,000	$218 (1st year waived)	Frequent overseas spenders and motorists

Choosing the right rewards credit card	Key considerations before applying	How to redeem rewards
🛍️ For online shoppers: The Citi Rewards Card and DBS Woman’s World Card deliver exceptional earn rates on e-commerce purchases. ✈️ For frequent travellers:Opt for the KrisFlyer UOB Credit Card or UOB PRVI Miles Card to maximise air miles. 💰 For everyday value seekers:The HSBC Revolution Credit Card offers consistent 10X points with no annual fee, perfect for contactless and online spending.	Spend caps: Most 10X bonus earn categories are capped monthly (usually $1,000–$2,000) Points validity: Be mindful of when your credit card points expire, if they do. For example, HSBC and OCBC points are valid for 3 years, but UOB UNI$ expires after 2 years. Exclusions: Read your credit card’s T&Cs to know what its eligible and excluded MCCs are. Insurance, utilities, and government payments generally do not earn rewards. Annual fees: Compare your card’s annual fee against perks such as bonus miles or vouchers.	Ease of redemption: Check if the bank provides online redemption or automatic miles conversion. Each bank provides its own rewards portal for redemption. Examples include: DBS Rewards Portal, Citi ThankYou Rewards, and HSBC Rewards+. Here are some tips to maximise your card’s rewards: 1. Use different cards for different spend categories (e.g. online shopping vs travel bookings) and stay within their bonus spend caps. 2. Track rewards points monthly to ensure they don’t expire. 3. Use high-earn credit cards like UOB Preferred Platinum Visa for contactless payments and UOB Lady’s Card for lifestyle spending. 4. Redeem miles strategically; long-haul or business class flight redemptions yield higher per-mile value [e.g. 10,000 Citi ThankYou Points ≈ 4,000 miles (transfer ratio 2.5:1)]. 5. Avoid late payments. Interest accrued on retail charges will end up outweighing your earned rewards.

Credit Card Fee Waiver Tips and Smarter Spending Habits

Smart management of rewards credit cards requires balancing spending discipline with awareness of fees and interest costs. Managing such costs effectively ensures you maximise rewards without eroding their value.

While most rewards cards in Singapore include annual fees, many banks waive these for the first year—or even for life—if you meet specific spending criteria. Meanwhile, some credit cards grant fee renewal waivers if annual spending exceeds $10,000—$20,000. Supplementary cards often offer free for the first year or discounted thereafter too.

Smart spending & management habits

Track your total annual spending. Monitor your annual spend to qualify for automatic fee waivers and avoid unnecessary interest charges.
Limit card ownership. Hold 2–3 cards that align with your lifestyle (e.g., one for travel, one for daily spend, one for online purchases).
Pay on time and in full. With average credit card interest rates around 26–27% per annum, carrying a balance can quickly outweigh your earned rewards.
Maximise point validity. Redeem your points regularly; most expire in 2–3 years unless stated otherwise.
Leverage digital tools. Use mobile banking apps to request waivers, check bonus caps, and track point balances.

Fee-saving credit card tips

Use lifetime fee waiver cards: Cards like HSBC Revolution or CIMB World Mastercard to avoid recurring fees.
Consolidate your spend: Focus on big-ticket purchases on a primary rewards credit card to hit your waiver thresholds.
Request early waivers: Some banks (e.g. OCBC, DBS) allow instant card fee renewal waivers through their apps.
Avoid cash advances: These attract higher interest rates (~28%–29% p.a.) with immediate accrual.

Step 1

Review credit card eligibility

Applying for a rewards credit card in Singapore is straightforward, but meeting the eligibility criteria is essential. Most banks require applicants to:

Be at least 21 years old
Have a minimum annual income of S$30,000 for Singaporeans and PRs
Earn S$45,000–S$60,000 per year if you’re a foreigner

Some rewards credit card like the Standard Chartered Rewards+ card may require higher annual income due to exclusive privileges.

Hence, if you’re a student, fresh grad, or simply a young professional, you might not qualify based on income, and may need to consider other entry-level cards or supplementary cards instead.

Step 2

Prepare required documents

Nowadays, digital submissions via Singpass MyInfo are standard for credit card applications. This allows automatic retrieval of your income data and hence, speeds up your application process.

However, the in event you have some required documents missing, here’s what you’ll generally need:

NRIC (front and back) or passport (foreigners)
Latest computerised payslip or CPF Contribution History (for salaried employees)
Latest Income Tax Notice of Assessment (for self-employed individuals)

Step 3

Compare and apply for rewards credit card via MoneySmart

Compare your rewards credit card options through our MoneySmart credit card comparison tool.

Once you’ve shortlisted your preferred card, click on its corresponding “Apply Now” button to initiate the application.

Before proceeding to the application form, you’ll be shown our MoneySmart Rewards Form to input your email address to qualify for and track the status of your MoneySmart Exclusive offers and sign-up gift 🎁 (if any).

Leverage SingPass MyInfo to seamlessly pull your verified identity and income data to cut short the processing time. The approval-in-principle page will appear within minutes of submission.

Step 4

Wait for card application approval

The cards’ respective banks will review and process your application, usually within a few business days, at times almost instantaneously.

If extra supporting documents are required, banks will also follow up quickly to minimise delays.

Step 5

Receive & activate your rewards credit card

Once your rewards credit card is approved, congrats!

You can activate it instantly through the bank’s mobile app.

Alternatively, you can wait for the physical credit card to be mailed to you. But essentially, once it's activated, you can start using your new credit card for purchases and track miles, rewards, or cashback within its mobile app!

Step 6

⭐ Redeem your sign-up bonuses

Don’t forget to claim your sign-up bonus! Most promos require spending a set amount within 30–60 days. Mark the expiry dates so you don’t miss out.

Check the Latest MoneySmart Promotion for Rewards Credit Cards

Credit Card	Card highlights	Promotion	Valid until
HSBC Revolution Credit Card	S$1 = 10X Points on Online & Contactless Spend on Travel, Shopping & Dining S$1 = 1X Point on All Other Spend 1 Point = 0.4 Miles Points to Miles Conversion for Selected Airline Partners	Spend S$500 from the Card Account Opening Date to the end of the following calendar month to receive S$420 cash or 6,140 SmartPoints (valued up to S$499 in gifts). Additionally, you could win a S$15,000 Dream Holiday to your destination of choice.	5 Jun 2026 till 9 Jun 2026
Citi Rewards Card	S$1= 10X Points on Online Grocery, Food Delivery, Ride-Hailing S$1= 10X Points for in-store shopping purchases at Department Store, Clothing Stores S$1= 1X Point for all other purchases	Receive a S$380 cash reward or 6,140 SmartPoints (worth up to S$499 in gifts) after spending a minimum of S$500 within 30 days. Additionally, you could win a S$15,000 Dream Holiday to a destination of your choice.	5 Jun 2026 till 9 Jun 2026
OCBC Rewards Credit Card	Earn 15 OCBC$ (equivalent to 6 air miles) for every S$1 spent at Watsons and certain online shopping platforms S$1 = 1 OCBC$ on All Other Spend 10 OCBC$ = 4 Miles Rewards to Miles Conversion	Receive $250 cash or 3,900 SmartPoints when you apply and spend a minimum of S$400 within 30 days, enough to redeem an Apple AirPods Pro 3 worth S$349. T&Cs apply.	1 Jun 2026 till 15 Jun 2026
OCBC INFINITY Cashback Card	Earn 1.6% Cashback on eligible transactions S$0.00 Min. Spend Unlimited Cashback Cap	Receive $250 cash or 3,900 SmartPoints when you apply and spend a minimum of S$400 within 30 days, enough to redeem an Apple AirPods Pro 3 worth S$349. T&Cs apply.	1 Jun 2026 till 15 Jun 2026
Citi Cash Back Card	Up to 8% Cash Back on Groceries, Petrol & Private Commute S$80.00 Total Cash Back Cap, per month Up to 23.64% savings at Caltex, Shell & Esso	Receive a S$380 cash reward or 6,140 SmartPoints (worth up to S$499 in gifts) after spending a minimum of S$500 within 30 days. Additionally, you could win a S$15,000 Dream Holiday to a destination of your choice.	5 Jun 2026 till 9 Jun 2026
WorldFirst Corporate Card	1.2% Unlimited Monthly Cashback on Worldcard Transactions 0% FX Fees S$400.00 Min. Deposit to be eligible for rewards	WorldFirst business banking offer Deposit at least S$50 within 30 days of approval to unlock rewards. Receive S$150 Cash or 2,300 SmartPoints.	1 Jun 2026 till 15 Jun 2026

How to Qualify for Credit Card Promos & Welcome Offers?

Singapore’s rewards credit cards and their promotions are as hotly contested as ever. If you’re eyeing one for yourself, don’t let FOMO or promo jargon cloud your decision. Here’s how to evaluate the best exclusive rewards credit card promotions in Singapore (only found on MoneySmart) and decide which ones are truly worth chasing each month.

Minimum spend & promo windows	MCC eligibility & exclusions	Bonus rewards & value comparisons
Most credit card promotions stipulate an eligible minimum spend (typically between $400 and $800) within a specific window period(typically 30–60 days of card approval) to unlock welcome gifts or bonus miles/points. For example, the HSBC Revolution Card offers either $400 cash via PayNow or 6,140 SmartPoints with a minimum $500 eligible spend from the card account opening date to the end of the following calendar month. Besides the promo window period, the minimum spend is also subject to MCC (Merchant Category Code) eligibility and exclusions.	Each transaction is tagged with an MCC (Merchant Category Code), which determines if it qualifies for bonus rewards, miles, or cashback. While MCC exclusions vary by card, common exclusions generally include bill payments, insurance premiums, education fees, and government transactions.	Once you’ve confirmed you can meet the minimum spend and promo window requirements, compare how flexible and attainable each card’s rewards are. To illustrate, here’s how the HSBC Revolution Card and Citi Rewards Card MoneySmart exclusive promos currently stack up: HSBC Revolution Card: $450 cash via PayNow or 6,140 SmartPointswith minimum $500 spend Citi Rewards Card: $400 cash via PayNow or 5,040 SmartPoints with minimum $500 spend Both cards earn 4 mpd on similar categories, but the Citi Rewards Card offers fewer SmartPoints, making its sign-up less rewarding overall.

Annual fee & long-term value	Avoid hidden traps
While short-term welcome bonuses are attractive, weigh them against recurring costs. No annual fee cards like HSBC Revolution and CIMB World Mastercard remove ongoing charges. First-year waivers are common for rewards cards like Citi Rewards, DBS Woman’s World, and OCBC Rewards. Premium credit cards like the AMEX Platinum ($1,744 annually) justify their high annual fee costs through benefits like global lounge access and hotel privileges. 💡 MoneySmart Tip: Track your total spend across cards using your bank’s app. Many auto-waive renewal fees if you meet the yearly thresholds (e.g. $10,000–$20,000 annual spend).	Some credit card promotions have “new-to-bank” customer restrictions, delayed reward crediting, or limited applicant quotas. Plus, missing a bill payment, deadline, or making ineligible purchases could void your sign-up reward entirely. Maintain compliance by enabling banking app notifications (e.g. DBS digibank, UOB TMRW, OCBC Digital) to track deadlines, eligible categories, and spend progress.

Annual fee & long-term value

Avoid hidden traps

While short-term welcome bonuses are attractive, weigh them against recurring costs.

No annual fee cards like HSBC Revolution and CIMB World Mastercard remove ongoing charges.

First-year waivers are common for rewards cards like Citi Rewards, DBS Woman’s World, and OCBC Rewards.

Premium credit cards like the AMEX Platinum ($1,744 annually) justify their high annual fee costs through benefits like global lounge access and hotel privileges.

💡 MoneySmart Tip: Track your total spend across cards using your bank’s app. Many auto-waive renewal fees if you meet the yearly thresholds (e.g. $10,000–$20,000 annual spend).

Some credit card promotions have “new-to-bank” customer restrictions, delayed reward crediting, or limited applicant quotas.

Plus, missing a bill payment, deadline, or making ineligible purchases could void your sign-up reward entirely.

Maintain compliance by enabling banking app notifications (e.g. DBS digibank, UOB TMRW, OCBC Digital) to track deadlines, eligible categories, and spend progress.

How to Choose the Right Rewards Credit Card For You?

Picking the right rewards credit card in Singapore is about more than chasing the biggest headline rate; it’s about matching to your lifestyle, spending habits, and goals. Here’s a step-by-step guide to help you choose with confidence, make the most of every dollar, and avoid costly missteps.

1. Define your rewards goal

Identify your main purpose for securing a rewards credit card before applying for one:

Air miles: Ideal for frequent travellers or those planning long-haul trips.
Hotel points: Perfect for those loyal to a hotel chain or who often mix business and leisure stays.
Cashback: Best for everyday spenders who prefer predictable, immediate rebates.
General rewards points: For flexible redemptions—vouchers, gifts, or transfers to travel partners.

2. Know your spending habits

Evaluate your monthly and annual expenses and key categories:

Do you spend more on dining, groceries, transport, or travel?
Is your budget regular or does it vary? Some cards reward consistent monthly spend, others favour large one-time purchases.
Match card features to your pattern. Recurring bills vs big-ticket items may trigger different promo conditions or caps.

3. Check card features & match your profile

Choose a card that fits your lifestyle:

Travellers: Look for cards with high overseas earn rates, airport lounge access, and no miles expiry (e.g. UOB PRVI Miles Card).
Hotel loyalists: Prefer cards offering direct hotel points conversion and flexible transfer partners.
Online shoppers: Opt for cards with 10X bonus points on e-commerce or digital wallet transactions (e.g. Citi Rewards Card).
Everyday spenders: Cashback cards (e.g. HSBC Advance, CIMB Visa Signature) can yield the highest returns on daily essentials.

💡 MoneySmart Tip: Compare earn rates, caps, and bonus categories across products like DBS Altitude Visa, OCBC 90°N, and UOB PRVI Miles. Also don’t forget about digital wallet compatibility with Apple Pay, Google Pay, or Samsung Pay for seamless contactless payments.

4. Key pitfalls & how to avoid them

Stay vigilant against common traps that erode reward value:

Points/miles expiry: Rewards may expire within 1–5 years. Set calendar reminders and monitor balances regularly.
Caps and exclusions: Monthly or annual limits can reduce your effective earn rate. Review each card’s fine print.
Redemption traps: Avoid low-value redemptions; calculate “cents per mile” or “cents per point” before redeeming.
Blackout dates & restrictions: Watch for travel blackout periods that limit flight or hotel availability.
Conversion fees & delays: Factor in administrative fees and potential delays in points-to-miles transfer crediting. Most charge between $25–$27 fee per transfer.
Changing T&Cs: Banks frequently revise eligible categories and caps annually—stay updated through official issuer announcements.

Find Your Most Rewarding Match 🎁

Looking for a rewards card that truly pays off? Compare Singapore’s best credit cards side by side, all in one place. Discover which cards earn the most miles, points, or cashback for your lifestyle, from everyday essentials to luxury travel.

Compare Credit Cards

FAQs About Rewards Credit Cards in Singapore

What’s the difference between rewards, air miles, and hotel credit cards in Singapore?: Rewards credit cards: Earn flexible points per dollar (e.g. HSBC Revolution, Citi Rewards, OCBC Rewards) that can be redeemed for vouchers, gadgets, cashback, or miles.

Air miles credit cards: Earn miles directly (e.g. KrisFlyer UOB Card, UOB PRVI Miles, OCBC 90°N). These cards are ideal for flight redemptions and travel perks.

Hotel credit cards: Earn flexible rewards points that can be converted for cash vouchers, miles, shopping discounts, travel benefits, and more. Some miles cards like OCBC 90°N Card and HSBC TravelOne Card even allow point-to-hotel loyalty transfers or direct hotel bookings.
How do I redeem and transfer points or miles?: Redeem points through your bank’s rewards portal for vouchers, cashback, or travel. For air miles, transfer your points to airline partners such as KrisFlyer or Asia Miles. Some cards like KrisFlyer UOB Credit Card automatically credit miles to KrisFlyer, removing the need for manual transfers.

Note: Minimum redemption thresholds and transfer fees (around $25–$27) typically apply—except for cards KrisFlyer UOB that already earn KrisFlyer miles directly, hence waiving transfer / conversion fees.
What credit card eligibility quirks should I watch out for?: Annual income requirements:Most cards need at least $30,000 annual income for Singaporeans/PRs (e.g. HSBC Revolution, Citi Rewards). Whereas other cards like OCBC Rewards, may drop their income requirement to $15,000 for those aged 55+.

Foreigners: Minimum annual income ranges from $40,000–$90,000 depending on card tier.

New-to-bank restrictions: Some bonuses apply only to first-time applicants or specific application channels.
What are the most common fees or “gotchas” on rewards cards?: Annual fee: Typically $196.20 per year; most rewards credit cards offer first-year fee waiver (e.g. Citi Rewards Card).

Supplementary card fee: Typically $98.10; also often with first-year waivers.

Foreign transaction fee: 3.25%–3.5% fee applied by your bank/credit card issuer for purchases made outside your home country or in foreign currency.

Miles conversion fee: Typically $25–$27 per transfer, unless your credit card directly earns frequent flyer miles already.
Can I use points or miles for hotel bookings?: Yes. Cards like OCBC 90°N and UOB PRVI Miles allow hotel redemptions through partners like Agoda and Expedia, giving flexibility for leisure travellers.
Are all spends eligible for rewards?: No. Common exclusions include education, insurance, utilities, government charges, and e-wallet top-ups. Always refer to your card’s latest MCC (Merchant Category Code) list for precise eligibility.
What counts as “minimum spend” for promo eligibility?: Only qualified retail spend counts. Excluded transactions such as bill payments, cash advances, and fees do not contribute towards meeting minimum spend for sign-up promotions.
What’s the best way to claim a sign-up bonus or promo offer?: Apply for your preferred credit card through the MoneySmart credit card comparison page, meet the stated spend (e.g. $500 in 30 days), and activate your card promptly. Submit claims via your bank portal if required and keep all approval documentation.

Best Rewards Credit Cards 2026

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