Amazon SG and the overseas Amazon storefronts (Amazon UK, US, JP) bill differently — SG transactions count as local online retail, overseas Amazon orders process in foreign currency and trigger FCY fees on some cards. The cards that win on Amazon SG aren't always the same ones that win on Amazon UK. Here's the breakdown for both.
HSBC
8 mpd (20 RP per S$1) on Eligible Transactions for HSBC Everyday Global accountholders with ≥ S$50K balance (Mar 2026 restoration per Milelion 2026 strategy). Categories and S$1,000 cap mirror hsbc-11-bonus-1; relationship gate enforced by engine filterRatesMapByRelationship — rate is dropped when userProfile.bank_relationships doesn't include 'hsbc_ega_50k'.
Trust
Applies only to ONE category you select (locked per quarter). Requires S$2,000/mo eligible spend to unlock.
15% on user-selected preferred category at S$2,000/month min for 3 consecutive months. Quarterly cap S$250 (~S$83/cycle). Quarterly category lockup. From 1 Mar 2026: $1k/10% tier removed.
Standard Chartered
Requires S$1,500/mo eligible spend to unlock.
10% (32 RP per S$1) on Smart Streaming at top tier (S$1,500+/mo). NO CAP per T&C cl 6.
These are the objective top picks. Perqa narrows them to the cards in your wallet and tracks your spend so you always use the right one.
Try Perqa — freeYes. Amazon SG uses an online retail MCC (5942 or 5969) which is the qualifying MCC for online-shopping bonus categories on OCBC FRANK, HSBC Revolution, Citi Rewards, and similar cards.
Yes — overseas Amazon orders are charged in GBP, USD, or JPY, so the transaction triggers your card's FCY conversion fee (typically 2.5%–3.5% depending on the bank). UOB PRVI Miles or DBS Altitude (both 2.2 mpd on FCY) often net better than a 4% local cashback card once the FCY fee is factored in.
Amazon gift card purchases are sometimes coded as a stored-value top-up rather than retail. Most cashback / miles cards pay only base rate (or nothing) on stored-value top-ups. Direct Amazon order payment is the safer route for earning the full bonus rate.