Best Miles Cards to Use in Mid-2026
The miles game was upended in 2025 with multiple nerfs, a few buffs, and even new cards hitting the scene. 2026, fortunately, has been much nicer and we have seen two major updates that have improved some cards significantly.
Here is an up to date list of the best miles cards to use for your spend in mid-2026.
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HSBC Revolution – get up to 8 miles per dollar for many airlines
Miles card of the year 2025
HSBC Revolution Credit Card
A versatile rewards card for shopping, dining, and travel bookings, with no annual fee.
The Good 🟢
- 4 or 8 miles per dollar, or 5% cashback equivalent, is a great earn rate
- No minimum spend requirement
- Relatively wide coverage across online and contactless transactions, including travel
- HSBC points are versatile, convert instantly in small blocks and have no conversion fees
- Works well with tools like Atome and HeyMax to optimise spend
- No annual fee for life
The Bad 🔴
- You will need to pay attention to merchant category codes (MCCs)
- Common MCCs such as travel agencies, fast food and groceries are not included and require workarounds
- Conversion ratios to airlines such as KrisFlyer are suboptimal
HSBC Revolution has made quite a comeback in 2025, reversing a few nerfs that it suffered in 2024. As a result, it is one of the best miles cards to use of late, provided you look beyond KrisFlyer miles.
Why? Because HSBC points can be transferred to a variety of other airlines, even supporting instant conversion for many of them. This allows you to do things like book book Singapore Airlines flight for fewer miles using EVA Air miles. Because of this, I view HSBC Revolution as closer to a 4.8 to 5 miles per dollar card.
2026 brought about an even more unexpected improvement to the card, and it is possible to get as much as 8 miles per dollar on the HSBC Revolution!
DBS yuu – get 10 miles per dollar on yuu partners, getting even better soon!
DBS yuu Card
An exceptionally rewarding card for regular spending at yuu merchants, with the choice of high cash rebates or airline miles.
The Good 🟢
- Up to 18% rebate or 10 miles per dollar is an exceptional earn rate
- Still earns 5% rebate or about 2.77 mpd at yuu merchants without meeting the monthly threshold
- Useful partners include Cold Storage, Giant, foodpanda, Gojek, Guardian, Singtel and SimplyGo
- SimplyGo spending helps meet the monthly requirement
- Visa and American Express versions can provide separate monthly caps
The Bad 🔴
- Requires S$800 of monthly spend for the highest earn rate
- You must spend at four different participating yuu merchants each month
- Bonus rewards are capped at 28,800 yuu Points per card each month
- Non-yuu merchant spending earns a weak base rate
- Requires active tracking and use of the yuu app to maximise rewards
Obviously, I will have to mention DBS yuu and its staggering 10 miles per dollar earn rate. In a world where most of the best miles cards max out at 4 miles per dollar, offering 2.5 times of its competition clearly makes the DBS yuu the top earning miles card by… well, a mile.
Of course, you have to make your spend at yuu partners and reach the minimum spend of S$800 each month to get this earn rate (increased recently in late 2025), but even if half your spend is on yuu partners and you spend the rest on other retail spend, you still get slightly more than 5 miles per dollar which is still a significantly higher earn rate than other cards that only offer 4 miles per dollar. See the calculator here, and also learn more about maximising the card’s earn rate here.
DBS yuu is somehow getting even better with the upcoming ability to transfer yuu Points to HeyMax for Max Miles. More details will soon be released so stay subscribed for updates.
UOB Lady’s Cards – get up to 10 miles per dollar on your selected categories
Choose your rewards categories
UOB Lady’s vs UOB Lady’s Solitaire
Both cards earn 4 miles per dollar in selected categories, which can be boosted up to 10 miles per dollar. Men can also apply!
The Good 🟢
- Earn 4 miles per dollar in selected categories
- Choose from dining, travel, transport, family, fashion, entertainment, and beauty and wellness
- Selected categories can be changed every calendar quarter
- UNI$ pools with other eligible UOB rewards cards
- Lady’s Savings Account can boost the earn rate up to 10 miles per dollar
The Bad 🔴
- Applications are restricted by UOB’s card eligibility criteria
- Lady’s Solitaire requires S$120,000 annual income
- Solitaire’s S$1,500 total cap is split into S$750 per category
- Category selection depends on merchant category codes
When most cards offer 4 miles per dollar, the ability to get up to 10 miles per dollar isn’t something we should ignore. This does involve depositing funds into UOB Lady’s Savings Account, an account that only offers 0.05% p.a. interest, but given that rates have been falling this may now make sense.
I have provided a calculator for those who wish to find out whether it is worth it for them to do so, and you can find it here.
UOB Preferred Visa and UOB Visa Signature – get 4 miles per dollar anywhere that accepts contactless payments
Two great UOB miles cards
UOB Preferred Visa and UOB Visa Signature
Two closely related cards covering mobile contactless payments, selected online transactions and foreign-currency spending, with UNI$ pooled in one rewards balance.
The Good 🟢
- Together, the two cards cover a broad range of everyday spending
- UNI$ pools across eligible UOB rewards cards
- Preferred Visa has no minimum spend requirement
- SimplyGo earns 4 mpd on Preferred Visa and Visa Signature
- Visa Signature has higher category caps for larger spenders
The Bad 🔴
- Points calculations use S$5 spending blocks
- Each card has different caps, qualifying periods and transaction rules
- Visa Signature requires S$1,000 of qualifying spend per statement period
- UOB has a limited selection of airline transfer partners
- Managing both cards requires careful spend tracking
If you want a fuss-free 4 miles per dollar everywhere card, UOB Preferred Visa and UOB Visa Signature are very easy to use cards. Unlike many other cards that give their earn rates only on specific categories or merchants, both cards let you earn 4 miles per dollar practically anywhere you can pay via contactless payment.
For UOB Preferred, you need to add your card to your phone (or watch), leave the card at home, and pay via Apple Pay, Google Pay or Samsung Pay. You will also need to be mindful of UOB’s S$5 spending blocks, so those who spend often on smaller transactions may find the card not so suitable.
UOB Visa Signature users, on the other hand, need to meet a monthly minimum spend of S$1,000 in order to unlock the 4 miles per dollar rate.
Your choice of card hence boils down to how much spend you can put on the card each month. For heavier spenders, you can even use both cards because points earned pool. See the comparison article to find out the differences between the two cards and which is more suitable for you.
Citi Rewards – get 4 miles per dollar on online purchases
Best for online spending
Citi Rewards Card
An easy-to-use 4 miles per dollar card for eligible online purchases and shopping, with no minimum spend and access to a broad range of airline partners.
The Good 🟢
- Get 10X points for online transactions, which is an easy condition
- Get 10X points for offline transactions through Amaze, albeit with a 1% fee, or other apps
- Fast crediting of points
- Wide range of redemptions and airline partners, including EVA Air
- Points earned early in the five-year block have a long shelf life
The Bad 🔴
- Points do not pool across different Citi cards
- Relatively low monthly cap of S$1,000, though this seems to be the norm these days
- Travel transactions are excluded
- Mostly an online-only card after the Amaze nerf
- Points earned late in the five-year block expire quite quickly
- Citi PayAll promotions have been lacklustre of late
Citi Rewards has been one of the top miles cards in my books for some time and it has been hit hard by the Instarem Amaze nerf. However, I still think it is one of the better cards to use online, and it could even make sense to pay Amaze’s 1% fee to continue using it offline.
Like HSBC Revolution, Citi points can be transferred to a variety of other airlines to provide greater value, so its 4 miles per dollar earn rate is really closer to 5 miles per dollar to me.
OCBC Rewards
Up to 6 mpd on selected merchants
OCBC Rewards Card
A card for shopping with a high earn rate at selected merchants.
The Good 🟢
- 6 miles per dollar is significantly higher than the usual 4 mpd standard
- No minimum spend requirement
- Card can be made more versatile through HeyMax vouchers
- Points can be transferred to multiple airline programmes
- Points can be exchanged for cash rebates at a relatively good rate
- Eligible spending helps meet the OCBC 360 spend requirement
The Bad 🔴
- Points are awarded for every S$5 spent instead of every dollar
- Relatively narrow list of qualifying merchant categories and merchants
- Airline conversion rates are not equally attractive across all partners
- Points do not pool with every OCBC points card
- Not suitable as a general card for everyday dining or grocery spending
Like so many great cards on this list, OCBC Rewards can offer more than 4 miles per dollar, giving 6 miles per dollar on selected merchants like Watsons, Lazada, Shopee, Taobao, and TikTok Shop. This is a quarterly promotion, but the bank has been offering such upsized earn rates for a couple of years now, so it is quite worth considering this card if one is a heavy spender of these selected merchants.
Check out the miles transfer calculator
Not sure where your bank points can go to and how many miles they are worth? Check out the miles transfer calculator here:
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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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