Trip.com is the Asia-Pacific OTA (formerly Ctrip), popular for China and intra-Asia travel. Strong on Asia hotel inventory; thinner than Agoda on global hotels. Charges process under MCC 4722 (Travel Agency) for hotels and MCC 4511 (Airlines) when buying flights direct — both qualify for travel-category bonuses on standard SG miles cards.
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 — freeTrip.com lets you choose SGD or the hotel's local currency at checkout. SGD-billed (with Trip.com's conversion) avoids your bank's FCY fee but uses Trip.com's exchange rate (usually 2-3% above mid-market). Hotel-currency uses your card's rate + FCY fee. Compare total cost.
Yes. Trip.com Coins are earned per booking and applied at checkout on future trips. Your credit card cashback is calculated on the final charged amount AFTER Coins are deducted.
Different MCC. Trip.com hotels charge under MCC 4722 (Travel Agency). Trip.com flights may charge under MCC 4511 (Airlines) if billed direct, or 4722 if through the OTA layer. Most miles cards pay travel rate on both.