Ranked: Best Cards to Maximise Cashback/Miles (August 2022)

I rank many credit cards by their earn rates! We have 5 tiers with 1 being the highest earn rate and 5 being the lowest. Different cards have different uses and requirements, so it doesn’t mean that Tier 1 is the best for everyone and Tier 5 is the worst. Instead, see if your transaction/monthly expenses can fit Tier 1 cards. If no, move on to Tier 2, and so forth.

Watch the video for rationale and mini-reviews!

Tier List

TierCashbackPoints/Miles
1CIMB Visa Signature (10%)
UOB One (8.33%)
Citi Cash Back (8% cashback)
Maybank FnF (8%)
2aUOB EVOL (6.67%)
OCBC FRANK (6%)
StanChart Smart Card (6%)
StanChart Smart Card (5.658 mpd)
3DBS LiveFresh (5%)
Citi SMRT (5%)
DBS Woman’s World (4 mpd)
CitiRewards (4 mpd)
UOB Preferred Platinum (4 mpd)
OCBC Titanium Rewards (4 mpd)
HSBC Revolution (4 mpd)
CitiRewards (4 mpd)
4UOB One (3.33%)
Maybank Platinum Visa (3.33%)
UOB Absolute (1.7%+0.8%)
UOB KrisFlyer(3mpd)
CapitaCard (up to 3% rebate in STAR$)
5StanChart Spree (2%)
Citi Cash Back+
and other ≤ 2% cashback cards
DBS Woman’s (2 mpd)
Citi PremierMiles
DBS Altitude
and other ≤ 2 mpd cards


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