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Credit Cards & Payments

The miles vs cash back debate is interesting and never-ending.

There is no one formula that fits everyone 😁

You will have to assess and evaluate for yourself what works best for you.

Sometimes, special promotions/deals come up and they are too good to resist. Follow the relevant influencers to keep up-to-date.

Technically speaking, I should be chasing miles as many influencers would note with my big family of 3 kids.

But I do not combine spent with spouse, etc and I live like really simple πŸ˜‚. Of course, we should still spend on the kids 😘.

I choose miles over cashback. Because it's actually more fun managing them πŸ˜‹. With installment payments/BNPL/etc, it serves big items and holidays expenses well.


No

Payment Type

Payment Mode

Card Tag

Rewards

1

Groceries

Mobile Contactless

UOB Preferred Platinum

https://www.uob.com.sg/personal/cards/rewards/preferred-platinum-visa-card.page

2

Transportation

Mobile Contactless

UOB Lady

https://www.uob.com.sg/personal/cards/rewards/ladys-card/index.page

3

Dining

Online

Citi Rewards

UOB Preferred Platinum

UOB Lady

https://www.citibank.com.sg/credit-cards/rewards/citi-rewards-card/

4

Online Purchases

Online

Citi Rewards

UOB Lady


5

Utilities

Education

Taxes

Insurance

Online

Chocolate Finance

https://www.chocolatefinance.com/visa-card

6

Medical

Telco

Broadband

Online

Chocolate Finance

Citi Rewards


7

FavePay

Shopee

7-Eleven

In-App

Citi Rewards

UOB Preferred Platinum


8

Small Amount Payments < $5

In-App


Mobile Contactless

DBS PayLah

MariBank

Chocolate Finance

https://www.dbs.com.sg/personal/support/bank-multiplier-eligible-transactions.html


https://www.maribank.sg/product/mari-credit-card

9

Foreign Currencies 

Mobile Contactless


Online

Amaze + Citi Rewards

UOB Prvi Miles

YouTrip

Trust Card

https://www.instarem.com/en-sg/amaze-card/


https://www.you.co/sg/


https://trustbank.sg/credit-card/

10

Hotel Flights & Airlines

Online

UOB Prvi Miles

https://www.uob.com.sg/personal/cards/travel/prvi-miles-card.page

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