Travel is the highest-volume category for many SG wallets — a single trip can clear S$3-10K and unlock big credit-card-bonus opportunities. The right card pays 2-4 mpd on local travel and 2.2-4 mpd on foreign-currency spend, with bonus partnership multipliers when booking through bank portals.
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.
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.
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 — freeUOB PRVI Miles (2.4 mpd local, 3 mpd FCY) is the consensus all-rounder — high mpd across categories, KrisFlyer + multiple airline partners, no min spend. Citi PremierMiles and DBS Altitude are close runners-up.
Bank portals layer 2-4x bonus miles on top of the standard card rate when you book through them. Trade-off: portals sometimes price slightly higher than direct booking — compare total cost (price × FCY × rewards) before booking.
Yes — most SG cards charge 3.0-3.5% FCY fee, which eats heavily into the headline miles rate. Trust and UOB EVOL (both 0%) and ICBC (2.5%) are the low-FCY exceptions, and fee-free wallets like YouTrip, Wise and the UOB FX+ debit card sidestep it too. For travel-heavy users, a 0% FCY card or a 3 mpd FCY card (UOB PRVI, Citi PremierMiles) is essential.