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
| Tier | Cashback | Points/Miles |
| 1 | CIMB Visa Signature (10%) UOB One (8.33%) Citi Cash Back (8% cashback) Maybank FnF (8%) | – |
| 2a | UOB EVOL (6.67%) OCBC FRANK (6%) StanChart Smart Card (6%) | StanChart Smart Card (5.658 mpd) |
| 3 | DBS 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) |
| 4 | UOB One (3.33%) Maybank Platinum Visa (3.33%) UOB Absolute (1.7%+0.8%) | UOB KrisFlyer(3mpd) CapitaCard (up to 3% rebate in STAR$) |
| 5 | StanChart Spree (2%) Citi Cash Back+ and other ≤ 2% cashback cards | DBS Woman’s (2 mpd) Citi PremierMiles DBS Altitude and other ≤ 2 mpd cards |
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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