Earn Rates of Popular Points Cards
The term “miles card” is actually misleading because most cards named as such are actually “points cards”. They earn bank points which you can then redeem for miles, but you can also redeem them for a variety of other things. Most banks allow you to redeem cash rebates, vouchers, and various merchandise available on their catalogue.
This means that even if you are cashback person and have no interest in miles, points cards are very relevant because they can in fact earn you cash rebates. Many times, they may even earn you more rewards depending on the scenario. They’re definitely better than a 1.5% cashback card.
I’ve compiled a list here which you can sort by the earn rates for miles, cash rebate, and rebate in vouchers:
| Card | Apply | Advertised Earn Rate (Per Dollar) | Earn Rate in Miles | Earn Rate in Cash Rebate | Earn Rate in Vouchers | Monthly Minimum | Monthly Maximum | Conditions |
|---|---|---|---|---|---|---|---|---|
| Amex CapitaCard | Review Apply | 30 STAR$ | 1.16 mpd | - | 3.0% | – | $1,200 | Spending in Town |
| Amex CapitaCard | Review Apply | 20 STAR$ | 0.775 mpd | - | 1.5% | - | $1,200 | Spending in Heartland |
| Amex KrisFlyer (Blue) | Apply | 1.1 mpd | 1.1 mpd | 0.733% | 0.88%* | – | – | - |
| Amex KrisFlyer (Ascend) | Apply | 1.2 mpd | 1.2 mpd | 0.80% | 0.96%* | – | – | - |
| CitiRewards | Review Apply | 10X ThankYou Points | 4 mpd | 2.27% | 2.98% | – | $1,000 | Online spend or clothing stores |
| Citi PremierMiles | Apply | 1.2 Citi Miles | 1.2 mpd | 0.727% | 0.916% | – | – | |
| DBS Woman’s World | Apply | 2 DBS Points | 4 mpd | 2.0% | 2.5% | – | $2,000 | Online spending |
| DBS Altitude | Review Apply | 0.6 DBS Points | 1.2 mpd | 0.6% | 0.75% | – | – | - |
| DBS Altitude | Review Apply | 1.5 DBS Points | 3 mpd | 1.5% | 1.88% | - | $5,000 | Online hotel booking |
| GrabPay Card | 6 Grab points | 0.6 mpd | 1.2% | 1.2% | - | $10,000 | - | |
| GrabPay Card (with UOB Absolute) | 6 Grab points | 0.6 mpd | 2.9% (1.7% cashback + 6 Grab Points) | 2.9% (1.7% cashback + 6 Grab Points) | ||||
| HSBC Revolution | Review Apply | 10X HSBC Reward points | 4 mpd | 2.5% | 2.5% | - | $1,000 | Online or contactless on eligible MCCs |
| Maybank Horizon | Apply | 8X TREATS Points | 3.2 mpd | 2.35% | 2.39% | $300 | $4,285 | Restaurant dining, petrol, public transport, cab rides, Agoda hotel bookings |
| OCBC 90°N (Mastercard) | Review Apply | 1.2 Travel$ | 1.2 mpd | 1.2% | 1.18% | - | - | - |
| OCBC 90°N (Visa) | Apply | 1 Travel$ | 1 mpd | 1% | 0.98% | - | - | - |
| OCBC Titanium Rewards | Review Apply | 10X OCBC$ | 4 mpd | 2.78% | 2.60% | - | - | Clothing, electronics, selected merchants |
| StanChart Smart Card | Review Apply | 19.2 Reward Point | 5.568 | 6.0% | 6.9% | - | $750 | Fast food, coffee and toast, digital subscriptions, daily commute |
| UOB Visa Signature | 2 UOB UNI$ | 4 mpd | 2.3% | 1.8% | $1,000 | $2,000 | Contactless or foreign currency spend | |
| UOB Preferred Platinum | 2 UOB UNI$ | 4 mpd | 2.0% | 1.8% | - | $1,111 | Contactless or online spend | |
| UOB Lady’s | Apply | 3 UOB UNI$ | 6 mpd | 3.0% | 2.7% | - | $1,000 | Selected category. Until 29th Feb 2024 |
| UOB Lady’s Solitaire | 3 UOB UNI$ | 6 mpd | 3.0% | 2.7% | - | $3,000 | 2 selected categories. Untill 29th Feb 2024 | |
| KrisFlyer UOB | Review Apply | |||||||
| UOB PRVI Miles | Review Apply | 0.7 UOB UNI$ | 1.4 mpd | 0.7% | 0.63% | - | - | - |
*for redemption on KrisShop
Did I miss anything? Let me know in the comments below!
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