Best Credit Card Cash Rebates or Miles in Singapore 2015 Edition

My last post on this topic was about 2 years ago. Ever since, many things have changed?new cards, new benefits, change or removal of card benefits, etc.

Lannister MasterCard

1. Best credit card for online shopping

The followings are the card that you should use when shopping online, for example Amazon, Apple Store, eBay, Paypal, SingTel/StarHub/M1 bill payments, etc. Some cards may have special exclusions, so pay attention to the T&C.

CARD BENEFITS
DBS Woman’s World Card MasterCard
  • 10X DBS Points for online spending.
    • Every $5 = 10 DBS Points.
    • The additional 9X DBS Points are only applicable for the first $2,000 online spend every calendar month.
  • Men can also apply :)
UOB Preferred Platinum Visa Card
  • 10X reward points for online spending.
    • Excludes all airline, travel, government, utilities, telecommunications, brokerage/securities, insurance, education/tuition, online money transfers and online gambling websites.
  • 10X reward points for Visa payWave transactions.
  • Rebate is capped at UNI$ 24,000 (equivalent to $12,000 spend) for each calendar year.

Removed cards

CARD BENEFIT Changes
OCBC FRANK credit card Since 1 Oct 2015, $400 offline spend is required to enjoy the online rewards.

 

2. Best credit card for groceries shopping

If you often shop for groceries on supermarkets, you can use the following credit cards:

CARD BENEFITS
Maybank Family & Friends Platinum MasterCard
  • 5% cash rebate at Cold Storage, NTUC Fairprice,  Fairprice Finest, Fairprice X-tra.
  • 5% cash rebate at POPULAR bookstores, Toys “R” Us, KFC Delivery, McDonald’s Delivery, Pizza Hut Delivery, Guardian, Unity NTUC Healthcare, Watsons, Jurong Bird Park, Night Safari, Singapore Zoo.
POSB Everyday Card
  • 5% cash rebate at Sheng Shiong.
  • 3% cash rebate at Watsons.
  • Multifunction as MasterCard PayPass, EZ-Link card, DBS/POSB ATM card, and NETS card.
HSBC Visa Platinum Credit Card
  • 5% cash rebate at Cold Storage, Jasons, Market Place, Giant, and Guardian.

3. Best credit card for air miles accrual

If you are accumulating points or air miles for your upcoming honeymoon trip to Europe, check the following cards out:

CARD BENEFITS
UOB PRVI Miles Platinum American Express Card

UOB PRVI Miles World MasterCard

UOB PRVI Miles Visa Card

 

  • 3 miles on Singapore Airlines, SilkAir & KrisShop
  • 2.4 miles (down from 2.5) for every $1 spent overseas.
  • 1.4 miles (down from 1.6) for every $1 spent locally.
  • 20000 miles for paying $256.80 annual fee.
ANZ Travel Visa Signature Card

 

  • 1.4 miles for every $1 spent locally.
  • 10000 miles for paying $200 annual fee.
Citibank PremierMiles American Express Card

Citibank Prestige Card

 

  • 2.5 miles for every S$1 spent on Singapore Airlines, SilkAir, KrisShop or Tradewinds Tours & Travel
  • 2 miles for every $1 spent overseas.
  • 1.3 miles (down from 1.4) for every $1 spent locally.
  • 15000 miles for paying $267.50 annual fee.
  • Miles never expire.
Citibank PremierMiles Visa Card
  • 2 miles for every $1 spent overseas.
  • 1.2 miles for every $1 spent locally.
  • 10000 miles for paying $192.60 annual fee.
  • Miles never expire.

Also note that your reward points earned by other credit cards can also be converted to air miles. So if you can, try to use the 10X reward cards before using the miles cards.

4. Best general-purpose cash rebate (cash back) credit cards

The following credit cards are useful if your spending does not fall in any of the above categories.

CARD BENEFITS
UOB One Card
  • Up to 3.33% of cash rebate on everything.
    Note that the rebates are tiered and can be troublesome to hit the maximum rebates. Unless you have the necessary patience and details, I suggest you avoid this card.
  • Additional 2% cash rebate on all overseas transactions.
Standard Chartered MANHATTAN MasterCard
  • 3% cash rebate on all spendings when the monthly total spending is $3000 or above.
  • 1% cash rebate on all spendings when the monthly total spending is between $1000 and $2999.
  • 0.5% cash rebate on all spendings when the monthly total spending is less than $1000.
  • Cash rebate is capped at $200 per quarter.
CIMB Visa Infinite Card
  • 1% cash rebate on all local spendings.
  • 2% cash rebate on overseas and travel related spendings (hotels, airlines, and travel agencies).
    Eligible with a minimum monthly spend of $2000.

My 13 Top Movies in 2013

I like to watch movies and sometimes write about them. And if I can give awards based on my preference, it will be for these movies 😀

13. The Croods

The Croods
Image: Rotten Tomatoes

This family-friendly animated movie is fast-paced and entertaining. And it has some good values to teach to children.

12. The Internship

The Internship
Image: Rotten Tomatoes

While it looks like a Google advertisement, people working in IT like me should be able to enjoy the comedy and drool over Google’s working culture and environment.

11. Star Trek Into Darkness

Star Trek Into Darkness
Image: Rotten Tomatoes

It might not be as fresh as the predecessor and some things might not make a lot of sense. But it’s still visually as entertaining and action-packed as ever.

10. We’re the Millers

We're the Millers
Image: Rotten Tomatoes

While it follows the Hollywood’s cliché formula of comedy — i.e., sex and drugs, it still brings a lot of fun and laughter. A relief to watch after a stressful day of work.

9. World War Z

World War Z
Image: Rotten Tomatoes

Zombies are still popular this year. Even Brad Pitt is now chasing them all over the world. This fast-paced thriller will keep you awake for almost 2 hours.

8. The Conjuring

The Conjuring
Image: Rotten Tomatoes

Without being awfully creepy, this horror packs a solid performance of the actors and beautiful rendering.

7. Thor: The Dark World

Thor: The Dark World
Image: Rotten Tomatoes

Disclaimer: I’m a fan of superhero movies. To be honest, this is not the best superhero movies this year, but I’m a fan, so…

6. Pacific Rim

Pacific Rim
Image: Rotten Tomatoes

Definitely style over substance. An epic style.

5. Man of Steel

Man of Steel
Image: Rotten Tomatoes

Leonidas in Superman’s costume? Yes, please.

4. Ender’s Game

Ender's Game
Image: Rotten Tomatoes

Harrison Ford and some young actors are delivering very strong performance in this sci-fi flick. It doesn’t hurt that it’s visually appealing.

3. Iron Man 3

Iron Man 3
Image: Rotten Tomatoes

Robert Downey Jr. is as charismatic as ever and here, we got to see him more often without the Iron Man suit. But it doesn’t mean that we see less suits either. In fact, this third installment delivers much more suits than ever. Unfortunately, to achieve the quantity, Tony Stark seems to sacrifice the quality (of the suits, not the movie).

2. The Hunger Games: Catching Fire

The Hunger Games: Catching Fire
Image: Rotten Tomatoes

The girl on fire is back, with vengeance. Katniss Everdeen is stronger, smarter, and prettier. The sequel is practically better than the predecessor in most (if not all) aspects.

1. Frozen

Disney's Frozen
Image: Rotten Tomatoes

And at the top (or bottom) of my list is, Disney’s Frozen. I’d like to say that this is the best Disney’s animated movie after The Lion King. Beautifully animated story, wonderful voice acting, and catchy singalong songs makes it truly memorable.

Best Credit Card Cash Rebates or Miles in Singapore

A new post on this topic is available.

Credit Cards
AFP image

Updated on 6 Dec 2013.

I like to maximize the return of all my spending, be it in the form of discounts, rebates, reward points, or air miles. Hence, unless I’m entitled to a good discount, I normally avoid paying with cash in favor of credit card.

If you know where to look, certain credit cards will give you substantial benefits based on their promotions, for example cash bonus, free gifts, 5% (or more) cash rebates, 10X (ten times) reward points, loads of air miles, etc. Some even provide you with less intangible benefits like airport lounge access or concierge service. If you never get any of this benefit, you’re missing it big time.

So, if you are like me and you want to get some tips on this, read on. This blog post is by no means comprehensive, I’m just sharing my experience with Singapore-issued credit cards.

1. Best credit card for online shopping

The followings are the card that you should use when shopping online, for example Amazon, Apple Store, eBay, Paypal, SingTel/StarHub/M1 bill payments, etc. Some cards may have special exclusions, so pay attention to the T&C.

Card Benefits
DBS Woman’s World Card MasterCard
  • 10X DBS Points for online spending.
    • Every $5 = 10 DBS Points.
    • The additional 9X DBS Points are only applicable for the first $2,000 online spend every calendar month.
  • Men can also apply :)
OCBC FRANK credit card
  • 6% cash rebate for online spend between $500 and $1000 per month.
  • Unlimited 0.5% cash rebate otherwise.
UOB Preferred Platinum Visa Card
  • 10X reward points for online spending.
    • Excludes all airline, travel, government, utilities, telecommunications, brokerage/securities, insurance, education/tuition, online money transfers and online gambling websites.
  • 10X reward points for Visa payWave transactions.

 

2. Best credit card for groceries shopping

If you often shop for groceries on supermarkets, you can use the following credit cards:

Card Benefits
Maybank Family & Friends Platinum MasterCard
  • 5% cash rebate at Cold Storage, NTUC Fairprice,  Fairprice Finest, Fairprice X-tra.
  • 5% cash rebate at POPULAR bookstores, Toys “R” Us, KFC Delivery, McDonald’s Delivery, Pizza Hut Delivery, Guardian, Unity NTUC Healthcare, Watsons, Jurong Bird Park, Night Safari, Singapore Zoo.
POSB Everyday Card
  • 5% cash rebate at Sheng Shiong.
  • 3% cash rebate at Watsons.
  • Multifunction as MasterCard PayPass, EZ-Link card, DBS/POSB ATM card, and NETS card.
HSBC Visa Platinum Credit Card
  • 5% cash rebate at Cold Storage, Jasons, Market Place, Giant, and Guardian.

 

3. Best credit card for air miles accrual

If you are accumulating points or air miles for your upcoming honeymoon trip to Europe, check the following cards out:

Card Benefits
UOB PRVI Miles Platinum American Express Card
  • 2.5 miles for every $1 spent overseas.
  • 1.6 miles for every $1 spent locally.
  • Complimentary one-way limousine transfer to the airport.
Citibank PremierMiles American Express Card
  • 2.5 miles for every S$1 spent on Singapore Airlines, SilkAir, KrisShop or Tradewinds Tours & Travel
  • 2 miles for every $1 spent overseas.
  • 1.4 miles for every $1 spent locally.
  • 15000 miles for paying $267.50 annual fee.
  • Miles never expire.
Citibank PremierMiles Visa Card
  • 2 miles for every $1 spent overseas.
  • 1.2 miles for every $1 spent locally.
  • 10000 miles for paying $192.60 annual fee.
  • Miles never expire.

Also note that your reward points earned by other credit cards can also be converted to air miles. So if you can, try to use the 10X reward cards before using the miles cards.

 

4. Best general-purpose cash rebate (cash back) credit cards

The following credit cards are useful if your spending does not fall in any of the above categories.

Card Benefits
UOB One Card
  • Up to 3.33% of cash rebate on everything.
    Note that the rebates are tiered and can be troublesome to hit the maximum rebates. Unless you have the necessary patience and details, I suggest you avoid this card.
  • Additional 2% cash rebate on all overseas transactions.
Standard Chartered MANHATTAN MasterCard
  • 3% cash rebate on all spendings when the monthly total spending is $3000 or above.
  • 1% cash rebate on all spendings when the monthly total spending is between $1000 and $2999.
  • 0.5% cash rebate on all spendings when the monthly total spending is less than $1000.
  • Cash rebate is capped at $200 per quarter.
CIMB Visa Infinite Card
  • 1% cash rebate on all local spendings.
  • 2% cash rebate on overseas and travel related spendings (hotels, airlines, and travel agencies).
    Eligible with a minimum monthly spend of $2000.

There are still many cards that I haven’t covered, mainly because I haven’t used them. Others because the use case is very specific, like for EZ-Link top up, for movie purchase, etc. I may write about it on other opportunities. In the mean time, if you have some useful tips, feel free to share them in the comment section below.

by Denni Gautama