Hotel bookings are the highest-mpd-per-dollar travel category on most SG miles cards. Direct hotel charges (MCC 7011) typically earn 2-3 mpd on miles cards; booking through a bank's branded travel portal layers an additional 2-4 mpd via partnership multipliers. The trade-off: portal prices sometimes differ slightly from direct booking — compare total cost (price × FCY × rewards) before locking in.
DBS
10X DBS Points per S$5 on online spend (local & overseas), capped at first S$1,000/mo of online spend. Covers online merchants — air tickets, hotels, Atome, Kris+, etc. Catalog category list reflects the actual reach so the engine matches direct category queries.
UOB
10X UNI$ per S$5 on local SGD spend via contactless tap (Visa payWave + Apple/Samsung/Google Pay/UOB Mighty at Visa payWave readers). The contactless_only flag — not the category — enforces the tap-only rule; the broadened category list lets normal merchant searches match this row. SimplyGo (ABT) treated as Contactless from 1 July 2025. Petrol is on a sibling row (uob-6-petrol-2a) because it earns regardless of payment method. Both rows share the UNI$2,400/period cap via bucket_id=uob-6-petrol-contactless.
Maybank
10X TREATS Points = 4 mpd on Bonus Categories: Dine (5811/5812/5814/5462), Shop (5262/5310/5311/5331/5399/5621/5631/5651/5655/5661/5691/5699/5941), Travel (3000-3299/3300-3308/4511/4722/7011), Play (4899/5813/5815/7832/7993/7994), Foreign Spend (any FCY transaction). Requires S$500/mo min retail spend (else 1X = 0.4 mpd). Bonus cap 10,000 TPs/mo = S$1,000 spend cap on bonus tier (above this, drops to 1X).
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 — free7011 (Hotels, Motels, Resorts). Direct hotel bookings use this MCC. OTAs (Agoda, Booking, Trip.com) use 4722 (Travel Agency) — different MCC, sometimes a different rate on your card.
Depends on the card. Most miles cards (UOB PRVI, Citi PremierMiles, AMEX KrisFlyer Ascend) pay the SAME rate on both 7011 and 4722. But the bank portal layer (HSBC TravelOne, Citi PremierMiles Portal) adds bonus miles ONLY when booked through the portal — not direct.
Yes — incidentals charged to your room and paid at checkout bill under the hotel's MCC 7011. Earned at the hotel rate, not the dining rate, even though it's food/beverage.