Best Cashback and Miles Cards For General Spending
While there are cards that excel in specific spending categories, you might not want the hassle of keeping track of which card to use for which type of spend, especially if your expenses are spread across a wide range of categories.
In this article are cards that work on a blacklist basis which means that aside from the usual excluded transactions, these cards should earn rewards on most types of spending with as few conditions as possible.
Higher Earn Cards
If you want higher earn rates, you have to contend with a bit more requirements, but these are cards with relatively simple requirements:
| Card | Advertised Earn Rate | Monthly Cap | Conditions |
|---|---|---|---|
 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 |
 Citi SMRT | 5% cashback | S$600 cashback annually (S$12,000 spend) | 💲 Minimum spend of S$500 per month 🌐 App/online ❌ Travel and mobile wallet excluded |
 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 |
 UOB Preferred Visa | 4 miles per dollar | S$600 spend per category (2,400 miles) | 💲 Points awarded in blocks of S$5 spend 📲 1st Category: mobile contactless payment 🌐 2nd Category App/online for selected MCCs only |
 UOB Visa Signature | 4 miles per dollar | S$1,200 spend (4,800 miles) | 💲 Minimum spend of S$1,000 per month 📲 1st Category: in-store contactless payment 💱 2nd Category: foreign currency |
 Citi Rewards | 4 miles per dollar | S$1,000 spend (4,000 miles) | 🌐 App/online 💳 In-person through Amaze with 1% fee ❌ Travel and mobile wallet excluded (Apple Pay or Google Pay, even online ones, do not work) |
 DBS Woman’s World Mastercard | 4 miles per dollar | S$1,000 spend (4,000 miles) | 🌐 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.
My Pick
UOB Preferred Platinum Visa is probably the easiest 4 miles per dollar card to use because you can just pay with your phone anywhere that accepts contactless payment and get 4 miles per dollar. Its range of online transactions is limited to a list of MCCs but should reasonably give you 4 miles per dollar for many types of online spend. For bigger spenders, UOB Visa Signature is another fuss-free card that works pretty similarly. See their differences here.
Fuss-free Cashback Cards
If you want cashback cards that have no minimum spend requirements, you will have to settle for lower earn rates. Aside from a couple of cards, the below options have no maximum cashback cap too.
| Card | Earn Rate | Monthly Cap | Notes |
|---|---|---|---|
 HSBC Advance | 2.5% cashback (>S$2,000 spend) 1.5% cashback (with no min. spend) | S$70 cashback (S$2,800 spend) | |
 DCS Ultimate Platinum Mastercard | 2% cashback | S$200 cashback (S$10,000 spend) | |
 UOB Absolute | 1.7% cashback | None | 0.3% cashback on commonly excluded categories |
 Citi Cash Back+ | 1.6% cashback | None | Cashback needs to be manually redeemed |
 OCBC INFINITY | 1.6% cashback | None | Works for OCBC 360 Account |
 Maybank FC Barcelona | 1.6% cashback | None | 0.3% on hospitals, schools, utilities etc. |
 Mari Credit Card | 1.5% cashback | None | 1.5% Shopee Coins for Shopee |
 Amex True Cashback | 1.5% cashback | None | Grab top-up and SimplyGo are excluded |
Fuss-free Miles Cards
Below are some miles cards that should work for a variety of spend and have no caps to their earn rates:
| Card | Local Earn Rate | Foreign Earn Rate | Monthly Cap | Notes |
|---|---|---|---|---|
 HSBC Premier | 1.68 miles per dollar* | 2.76 miles per dollar* | None | Unlimited lounge visits *HSBC Points convert sub-optimally to KrisFlyer miles; see details |
 DBS Vantage | 1.5 miles per dollar | 2.2 miles per dollar | None | 10 free lounge visits |
 UOB PRVI Miles | 1.4 miles per dollar | 2.4 / 3 miles per dollar* | None | 4 free lounge visits *3 miles per dollar for MYR, IDR, THB, and VND spend; 2.4 miles per dollar for other foreign currency spend |
 Citi Prestige | 1.3 miles per dollar | 2 miles per dollar | None | 12 free lounge visits |
 DBS Altitude | 1.3 miles per dollar | 2.2 miles per dollar | None | 2 free lounge visits |
 OCBC 90°N | 1.3 miles per dollar | 2.1 miles per dollar | None | Works with OCBC 360 Account |
 Citi PremierMiles | 1.2 miles per dollar | 2.2 miles per dollar | None | 2 free lounge visits |
 HSBC TravelOne | 1.2 miles per dollar* | 2.4 miles per dollar* | None | 4 free lounge visits *HSBC Points convert sub-optimally to KrisFlyer miles; see details |
 StanChart Journey | 1.2 miles per dollar | 2 miles per dollar | None | 2 free lounge visits |
 KrisFlyer UOB | 1.2 to 3 miles per dollar* | 1.2 to 3 miles per dollar* | None | 1️⃣ 1.2 miles per dollar without min. spend 2️⃣ 2.4 miles per dollar on dining, food delivery, transport, online shopping & travel with min. spend of S$1,000 on Singapore Airlines Group transactions 3️⃣ 3 miles per dollar for Kris+ and Singapore Airlines Group transactions |
Commonly excluded transactions
While blacklist cards give their rewards for anything that is not found in their exclusions, note that almost all of them have a list of commonly excluded transactions such as e-wallet top-ups, insurance, and utilities.
You can see the following article for cards that have almost no exclusions:
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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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