Best Cashback and Miles Cards For Flights
Booking a flight? Use these credit cards to earn more cashback and miles!
Merchant Category Codes (MCC)
Take note that flight bookings are usually categorised as MCC 3000 to 3350 + 4511 if you book with the airline directly.
For bookings made through online travel agencies like Trip.com, Expedia etc., they tend to be coded as 4722.
These are important for cards that support specific MCCs.
Useful Websites
Starting your flight booking through these portals can get you additional rewards:
| Site | MCC | Remarks |
|---|---|---|
 ShopBack | Same as Merchant | Bonus casback for supported airlines/travel portals |
 HeyMax | Same as Merchant | Bonus Max Miles for supported airlines/travel portals |
 Trip.com | 4722 | Promo codes for discounts Use Atome to split bigger transactions (and change MCC) |
Trip.com can offer very good discount codes, and I’ve used them recently to book flights that can be cheaper than buying from the airline itself. I will do a piece on my experience so stay subscribed for details.
You can also use ShopBack or HeyMax to book flights through Trip.com, but some Trip.com promo codes will not work if you do this.
Cashback Cards
| Card | Advertised Earn Rate | Monthly Cap | Conditions |
|---|---|---|---|
 Maybank XL Cashback | 5% cashback | S$80 cashback (S$1,600 spend) | 💲 Minimum spend of S$500 per month ✈️ Flights, hotels, and travel agencies |
 DBS Chromo | 5% cashback | S$37.50 cashback (S$750 spend) | 💲 Minimum spend of S$500 per month ✈️ Flights, hotels, and travel agencies |
 UOB EVOL | 10% cashback¹ | S$30 cashback (S$300 spend) per category | 💲 Minimum spend of S$800 per month 📲 Local mobile contactless payment 🌐 App/online |
 OCBC FRANK | 8% cashback¹ | S$25 cashback (S$312.50 spend) per category | 💲 Minimum spend of S$800 per month 📲 Mobile contactless payment 🌐 App/online |
 DCS Flex | 6% cashback | S$25 cashback (S$416.67 spend) per category | 💲 Minimum spend of S$600 per month 📲 Contactless payment 🌐 App/online |
 UOB One | 3.33% cashback (with bonus on selected partners) | S$200 cashback quarterly S$120 cashback per month for selected partners | 💲 Minimum spend of S$600 / S$1,000 / S$2,000 per month for a quarter |
 Maybank Platinum Visa | 3.33% cashback | Quarterly cap of S$30, S$100 or S$200 | 💲Quarterly mechanic: spend S$300, S$1,000 or $2,000 per month for a quarter |
 SAFRA DBS | 3% cashback | S$50 cashback per month (S$1,666.67 spend) | 💲 Minimum spend of S$500 per month 👉🏼 Must be SAFRA member 📲 Contactless payment 🌐 App/online |
- Advertised rate can be quite misleading. A high cashback rate can be watered down due to a low sub-limit and minimum spend.
Miles Cards
| Card | Advertised Earn Rate | Monthly Cap | Conditions |
|---|---|---|---|
 HSBC Revolution | Tier 1: 4 miles per dollar Tier 2: 8 miles per dollar | Tier 1: S$1,000 spend Tier 2: S$1,200 spend | 📲 Contactless or online payment 📋 Flights and hotels (note that travel agencies are excluded) 💰 Tier 2 requires S$50,000 MAB in HSBC EGA |
 UOB Lady’s | 4 miles per dollar | 4,000 miles (S$1,000 spend) | ✈️ Flights, hotels, and travel agencies 💳 Travel category selected |
 UOB Lady’s Solitaire | 4 miles per dollar | 3,000 miles (S$750 spend) | ✈️ Flights, hotels, and travel agencies 💳 Travel category selected |
 Maybank XL Rewards | 4 miles per dollar | 4,000 miles (S$1,000 spend) | 💲 Minimum spend of S$500 per month ✈️ Flights, hotels, and travel agencies |
 DBS Woman’s World Mastercard | 4 miles per dollar | S$1,000 spend (4,000 miles) | 🌐 App/online |
 KrisFlyer UOB | 1.2 to 3 miles per dollar | Unlimited | ✈️ 3 mpd for Singapore Airlines and Scoot 💲 Other travel spend: 2.4 mpd with min spend of S$1,000 on Singapore Airlines transactions within membership year (otherwise 1.2 miles per dollar) |
 Maybank Horizon Visa | 2.8 miles per dollar | SGD: S$10,000 spend Forex: unlimited | 💲 Minimum spend of S$800 per month ✈️ Airlines only |
Special booking sites with Citi PremierMiles, DBS Altitude, or 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:
| Card | Earn Rate |
|---|---|
| Citi PremierMiles | 10 miles per dollar on Kaligo 7 miles per dollar on Agoda |
| DBS Altitude | 10 miles per dollar on Kaligo 6 miles per dollar on Expedia |
| UOB PRVI | 6 miles per dollar on 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, do take note that the prices may be higher than usual so the added miles are not free.
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Seth Wee was a licensed financial adviser representative from 2009 to 2025, with over 16 years of experience in Singapore’s financial advisory industry.
He started Sethisfy.com in 2019 to share practical insights on credit cards, banking products, and miles strategies, helping readers identify financial products that deliver the best value. Seth has been featured in CNA, Channel 8, Today, and a host of other publications. In 2025, he was also part of a panel at CPF’s Ready For Life festival.
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