Best Credit Card for Hotels in Singapore 2026

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.

Top 3 cards

1
DBS Woman's World Card

DBS Woman's World Card

DBS

4 mpd

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.

2
UOB Visa Signature

UOB Visa Signature

UOB

4 mpd

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.

3
Maybank XL Rewards Card

Maybank XL Rewards Card

Maybank

4 mpd

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).

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Frequently asked

7011 (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.

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