How far can your spending fly you?

Slide in roughly what you spend each month. We put each kind of spend on the card that earns the most for it, up to that card's bonus cap, and show the miles a year and the flights they buy.

Add your cards to see what your own wallet earns.

Dining & restaurants
S$
HSBC Revo 4 mpd → 1,600 miles
Groceries
S$
UOB Lady’s Card 4 mpd → 1,200 miles
Food deliveryGrabFood, foodpanda, Deliveroo
S$
Citi Rewards 4 mpd → 400 miles
Ride-hailingGrab, Gojek, taxis
S$
Citi Rewards 4 mpd → 480 miles
Online shoppingWebsites and apps in SGD
S$
Citi Rewards 4 mpd → 800 miles
Lazada & Shopee
S$
OCBC Rewards 6 mpd → 600 miles
Shopping in storesFashion, department stores
S$
Citi Rewards 4 mpd → 600 miles
Petrol
S$
BillsPhone, utilities
S$
Choco 1 mpd → 150 miles
Overseas spendingIn foreign currency
S$
HSBC Revo 4 mpd → 800 miles
Flights
S$
Hotels
S$
Everything else
S$
UOB Preferred Visa 4 mpd → 2,000 miles

On S$2,220 a month you'd earn

103,560

miles a year · 8,630 a month

With just 1 card (UOB Lady’s Card): 56,160 a year, 46% fewer miles

Cards that get you there (6)

Annual fees: S$785 a year before waivers.

HSBC Revo
S$600 a month · no annual fee
28,800
Citi Rewards
S$570 a month · S$196 fee
27,360
UOB Preferred Visa
S$500 a month · S$196 fee
24,000
UOB Lady’s Card
S$300 a month · S$196 fee
14,400
OCBC Rewards
S$100 a month · S$196 fee
7,200
Choco
S$150 a month · no annual fee
Keep an average daily balance of at least S$5,000 in your Chocolate Finance account in the previous month, or the card earns no Max Miles (from 1 Sep 2026).
1,800

Return Saver tickets a year

From Singapore	Economy	Business	First
Bangkok	3	2	1
Hong Kong	3	1	1
Shanghai / Beijing	2	1	15 mo
Seoul	2	13 mo	19 mo
Tokyo	2	13 mo	19 mo
Osaka	2	13 mo	19 mo

Numbers are return tickets a year; "mo" means months to save for 1. Singapore Airlines Saver awards (chart from 1 Nov 2025), taxes and fees extra, subject to award seats. First Class runs on only some flights to these cities. Other mainland China cities cost the same as Hong Kong. Source.

Miles a year103,560

Estimates only. Bonus caps and minimum spends are read from each card's terms as we have them; some caps are shared across categories in ways we can't always model, and in-store spend paid by tap may earn more on some cards. Bank points are counted as the miles they convert to, before any conversion fee. Not financial advice.