💳 This is part of the “The Best Cards to Use” series. Tap here for more great cards to use in other areas of spend!
Going for a holiday soon? Use these credit cards to earn more cashback and miles!
Useful sites to make bookings
Shopback gives quite substantial amounts of cashback on bookings made through travel portals, and I’ve personally booked with 12% cashback before.
SkyScanner is also a useful tool that lets you find the cheapest flights possible. Do use my links if you wish to support my site.
Citi PremierMiles, DBS Altitude, UOB PRVI
Citi PremierMiles, DBS Altitude, and UOB PRVI are three cards that give a substantially high earn rate when you use them to book through travel portals like Expedia or Agoda:
|Citi PremierMiles||10 mpd on Kaligo|
7 mpd on Agoda
|DBS Altitude||10 mpd on Kaligo|
6 mpd on Expedia
3 mpd on online flights & hotel transactions (capped at S$5,000 spend per month)
|UOB PRVI||6 mpd UOB Travel, Agoda, Expedia|
Note that you need to use special links (see above table) to make your bookings for the higher earn rates. When booking through these links, Shopback will likely not earn you extra cashback, so you should compare the increased number of miles you’d earn compared to the potential cashback you are giving up.
Other mile cards
|Card||Earn Rate||Monthly Capacity|
|DBS Woman’s World Mastercard||4 mpd||S$2,000|
|UOB Lady’s||4 mpd||S$1,000 / S$3,000|
|HSBC Revolution||4 mpd / 2.5% cashback||S$1,000|
|KrisFlyer UOB||3 mpd||Unlimited|
DBS Woman’s World Mastercard is a long-time favourite for collecting miles, and it gives you 4 miles per dollar on online transactions, save for a pretty standard list of exclusions. With a relatively roomy S$2,000 per month capacity for its high earn rate, it should also settle a good amount of your travel expenditure as long as you make sure to book online. Gents are allowed to get this card too, despite its name.
UOB Lady’s too is a woman-themed card that gives 4 miles per dollar on travel expenses as long as you select the Travel category. It has two variants – one with a monthly capacity of S$1,000 spend and a higher-end one with a monthly capacity of S$3,000. Unlike DBS’s offering, UOB’s card for the ladies does require you to be female to apply.
HSBC Revolution is another card you can pick, and it comes with a monthly capacity of S$1,000 for its 4 mpd earn rate. Its earn rate is also equivalent to 2.5% cashback.
Finally, you may also wish to consider the KrisFlyer UOB Credit Card which gives 3 mpd on transactions. Unlike most high-earn cards, KrisFlyer UOB does not have a cap on the number of miles you may earn with its 3 mpd earn rate, which is given for transactions made on the following travel websites:
- UOB Travel
|Card||Earn Rate||Monthly Capacity||Requirement|
|OCBC 365||3%||S$2,666.66||Minimum spend of S$800 in a month|
|HSBC Advance||1.5% / 2.5%||S$2,800||Minimum spend of S$2,000 in a month for 2.5% rate|
|CIMB Visa Infinite||2% cashback||Unlimited||Minimum spend of S$2,000 in a month|
Cashback cards are pretty weak at dealing with travel-related expenses because they tend to bust the limits of various popular cashback cards like UOB EVOL. Citi SMRT is a great card to pay for large online transactions, but it specifically excludes travel-related expenses which is quite the bummer for cashback people.
We are left with cards like OCBC 365 which gives 3% on travel-related expenses – not too shabby a rate considering the relative lack of good cashback cards for travel. It has a cashback cap of S$80 per month, meaning to say you’d max it out with S$2,666.66 of travel spend. OCBC 365 is also made significantly better given the improvements made to OCBC 360, its companion bank account.
HSBC Advance gives 2.5% cashback once you are able to hit S$2,000 of spending within a month, and has a cashback cap of S$70. This allows for S$2,800 of spending which should be good for most trips.
Of course, if your tastes are more expensive, you might want to consider the CIMB Visa Infinite card which gives 2% cashback if you can meet the minimum spend of S$2,000 within a month. It’s a relatively low rate, but this card is suitable for the big spenders because it has no maximum cashback cap, allowing you to spend as much as you want on your travel expenses for 2% cashback.
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