Miles vs Cashback

Best Credit Cards for Online Shopping

If most of your spend is online, a card that boosts online transactions earns far faster than a flat-rate card. Bonus rates are usually capped monthly, so know the ceiling.

  1. 1
    Rewards points

    Why it fits: Among the strongest for online and contactless spend, convertible to miles — and no fee.

    No annual fee · Min income S$65,000

    Pros

    • +No annual fee, permanent — no waiver to chase
    • +Up to 4 mpd (10X points) on online/contactless spend
    • +Beginner-friendly, simple day-to-day
    • +Rewards points convertible to miles via Visa

    Cons

    • −4 mpd capped at ~S$1,000/month spend
    • −High rate limited to eligible online/contactless spend
    • −Low base earn ~0.4 mpd on everything else
    Full breakdownOfficial site →
  2. 2
    Miles

    Why it fits: Bonus earn on selected online categories like transport, groceries and food delivery.

    Annual fee S$196.20 · Min income S$30,000

    Pros

    • +Up to 3 mpd on selected transport, grocery & food delivery
    • +Solid all-rounder: ~1.2 mpd local, ~2 mpd foreign base
    • +Points convert to airline miles for flexible redemptions
    • +Comes with lounge access

    Cons

    • −S$196.20 annual fee from year 2 (first year waived)
    • −3 mpd capped and limited to selected categories only
    • −Low ~1.2 mpd on general local spend
    Full breakdownOfficial site →
  3. 3
    Cashback

    Why it fits: Everyday cashback that includes online spend when you hit the tiers.

    Annual fee S$196.20 · Min income S$30,000

    Pros

    • +Up to 20% cashback on dining, groceries, transport, online
    • +~10% cashback on the ongoing standard tier
    • +Visa-based, so wide acceptance in SG and overseas
    • +First-year annual fee waived

    Cons

    • −Annual fee S$196.20 from year two onwards
    • −Top rates need consistent minimum quarterly spend, not flat
    • −Headline 20% is spend-tiered + partly a new-customer boost
    Full breakdownOfficial site →

Frequently asked questions

Which card is best for online shopping in Singapore?
One with a strong online/contactless bonus rate, within its monthly cap. Match the eligible categories to where you actually shop online and confirm current terms.
Is there a cap on online-spend bonus rewards?
Typically yes — the high online rate usually applies up to a monthly cap, then reverts to a low base rate.
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