If you’re trying to pick the “best” miles credit card, start with one simple question:
What do you spend the most on each month?
That’s because different cards reward different spending categories. Trying to find one “best miles card” usually creates more confusion than clarity.
A much easier way to optimise is to build around how you already spend.
The simple approach looks like this:
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use your 4 mpd and above cards first
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maximise the monthly bonus caps on those cards
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switch to a general spending card after the caps are hit
That’s it.
Most 4 mpd cards come with monthly caps, usually around $1,000 a month, and are often tied to specific spending categories like online spend, dining, shopping, or mobile contactless.
Once you understand that, building your setup becomes much easier.
Step 1: Start With Your 4 mpd Cards
This is where your highest return usually comes from.
Some of the more popular 4 mpd and above cards in Singapore include:
- Citi Rewards Card
- DBS Woman’s World Card
- DBS yuu Card
- Maybank XL Card
- UOB Lady’s Card / Lady’s Solitaire
- UOB Preferred Visa
- UOB Visa Signature
The easiest way to use them well: Put your main spending categories on these cards first.
That could be:
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online shopping
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dining
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groceries
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transport
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travel bookings
The only thing to watch is the monthly cap.
Once you spend past the cap, the earn rate often drops sharply, so it helps to know roughly how much room each card still has.
You don’t need to track every dollar perfectly.
Just be aware of when a card is getting close to its limit.
My Current Favourite: DBS yuu Card
My personal favourite at the moment is the DBS yuu Card.
It offers one of the highest earn rates in Singapore right now at up to 10 mpd, but only within the yuu ecosystem.
To unlock that, the sweet spot is:
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at least $800 spend a month
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transactions across 4 different yuu merchants
The good thing is this is usually easier than it sounds.
There’s no minimum spend required per merchant, so I naturally rotate across places I’m already using:
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Cold Storage
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GIANT
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Guardian
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CHAGEE
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foodpanda
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SimplyGo
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7-Eleven
Because these are daily essentials anyway, hitting the requirement often feels quite natural. That’s why I like it. It gives a very high earn rate without needing major lifestyle changes.
Step 2: Use a General Spending Card After the Caps
Once your 4 mpd cards are maxed out, the next layer is a general spending card.
This is for everything that:
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doesn’t fall into a bonus category
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has already exceeded the bonus cap
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is too annoying to optimise further
These usually earn around 1.0 to 1.6 mpd.
The goal here isn’t to chase perfection.
It’s to make sure the “overflow” spend still earns something decent.
A Great Value Pick: UOB PRVI Miles
A strong value option here is UOB PRVI Miles. For many people, it strikes a very good balance between:
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a solid uncapped earn rate
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low annual fee
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easy fee waivers
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simple everyday usability
If you want a reliable “everything else” card, this is usually one of the easiest places to start.
No complicated tracking. No worrying about categories. Just a dependable fallback once your bonus cards are full.
Quick Takeaway
A good miles setup doesn’t need to be complicated.
A very effective system is simply:
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use your 4 mpd cards for your biggest spending categories
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maximise the monthly caps
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switch the rest to a general spending card
If you already know where most of your monthly spend goes, whether that’s dining, groceries, online shopping, transport, or travel, building a clean 2 to 4 card setup becomes surprisingly straightforward.
