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Summary: Which Credit Cards Track by Transaction Date vs Posting Date?
When chasing credit card rewards, timing matters—especially near the end of a month or spending period. Whether spending is tracked by transaction date (when you buy) or posting date (when it's processed by the bank) affects whether you hit bonus caps or minimum spend requirements.
π Key Difference
- Transaction date: When you make the purchase.
- Posting date: When the bank processes the transaction (usually 1–3 days later).
π³ Which Cards Track by Transaction Date?
Only DBS and Maybank cards track spending by transaction date, but both come with caveats:
DBS Cards (e.g. DBS Woman’s World, DBS yuu)
- Track by transaction date.
- BUT the date is based on merchant/acquirer timezone, not Singapore time—can be unpredictable.
Maybank Cards
- Maybank Horizon Visa Signature: Transactions made in Month X but posted by the 6th of Month X+1 count towards Month X.
- Maybank World Mastercard: Same logic, but cutoff is the 7th.
- Maybank Visa Infinite: No special treatment—likely based on posting date only.
π³ Cards That Track by Posting Date (Most Others)
- UOB (Lady’s, PPV, Visa Signature)
- Citi (Rewards)
- HSBC (Revolution)
- OCBC (Rewards)
- Standard Chartered (Journey, Smart, Visa Infinite)
⚠️ Common Pitfalls
- Spending on 30th/31st of the month may post in the next month, causing:
- Missed bonus caps
- Failed welcome bonus minimum spend
- Reduced miles earning rate
π Merchants That Often Post Same-Day (Risky but Useful)
Some merchants reportedly post transactions on the same day:
- 7-11
- Cold Storage
- Food Republic
- Genki Sushi
- Starbucks
- Toastbox
(No guarantees—depends on outlet, bank, and payment network.)
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✅ Bottom Line
- DBS and Maybank give the best shot at “last-minute” spend counting—but timing is still tricky.
- For most other cards, plan to spend at least 2–3 days before month-end to ensure it counts.
- Always verify cutoff policies in card T&Cs to avoid disappointment.
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