Spotify Premium bills monthly in SGD via direct card charge. Same MCC family as Netflix and Disney+ (online subscription). The standout Spotify-specific deal: StanChart Smart Credit Card historically paid 5% on streaming including Spotify (subject to caps and category windows — check current T&Cs).
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 — freeSpotify bills under MCC 5815 (Digital Goods / Streaming) — qualifies for online-shopping, streaming, and subscription bonus categories on HSBC Revolution, Citi Rewards, OCBC 365, UOB EVOL, and StanChart Smart.
No — your card sees one monthly charge for the whole plan (e.g. S$14.98 for Duo, S$16.98 for Family). Plan tier changes the amount but not the merchant or MCC. Rewards math is per-dollar.
No. Spotify gift card purchases are typically stored-value (MCC 6051 or similar), which most cashback/miles cards pay only base rate on. Direct monthly subscription payment is the simpler path to full bonus rate.