DBS yuu Visa & AMEX Card: The Best Credit Card in Singapore for Daily Rewards and Partner Savings
In a world full of cashback credit cards and miles credit cards, the rewards card often gets overlooked.
But in Singapore, where online shopping, dining, and digital subscriptions are a daily habit, the Citi Rewards Card has carved out a strong reputation.
Unlike other cards that limit rewards or focus heavily on travel, the Citi Rewards Card gives you 10X Rewards Points (equivalent to 4 miles per S$1) on everyday lifestyle spending, especially online purchases.
When I first got into credit cards, I thought cashback was all I needed. But after trying the Citi Rewards Card, I realized points and miles are often more valuable—especially when you redeem them for flights, hotels, or vouchers.
“If you’re an online shopper or lifestyle spender in Singapore, the Citi Rewards Card is one of the best choices to maximize your money.”
The Citi Rewards Card is built for people who spend heavily on online platforms, fashion, dining, and entertainment. Its highlights include:
Earn 10X Points (4 miles per S$1) when you spend on:
Even when you use the card outside these categories, you still earn. That means your everyday purchases never go unrewarded.
Citi Rewards Points can be redeemed for:
New cardholders can get up to S$350 cashback (or equivalent in SmartPoints) after meeting the initial spend requirement.
| Feature | Citi Rewards Card | HSBC Revolution Card | OCBC 365 Card |
|---|---|---|---|
| Rewards Rate | 10X Points (4 miles) online | 10X Points dining/online | 6% dining, 3% groceries |
| General Spend Rate | 1X Point | 1X Point | Varies by category |
| Annual Fee | S$192.60 (waived 1st yr) | Free for Life | S$192.60 (waived 2 yrs) |
| Redemption Options | Miles, cashback, vouchers | Miles, vouchers, cashback | Cashback only |
| Best For | Online shoppers + lifestyle | Lifestyle + travel | Everyday households |
The Citi Rewards Card is perfect if you:
For example:
That’s enough for a free short-haul flight redemption.
I once thought cashback was all I needed—until I booked my first flight with miles earned from the Citi Rewards Card. A simple six months of daily online purchases had turned into enough miles for a round-trip ticket to Bangkok.
Now, I use the card specifically for online and lifestyle spending while pairing it with a cashback card for utilities and bills. That strategy has helped me save money and travel more.
Q1: How many miles do I earn per dollar?
You earn 4 miles per S$1 on online and lifestyle categories.
Q2: Is there a cap on 10X Rewards?
Yes, capped at S$1,000 spending per month on bonus categories.
Q3: Can I redeem points for cashback?
Yes, points are redeemable for cash rebates, vouchers, or miles.
Q4: What’s the annual fee?
S$192.60, waived in the first year.
Q5: Is it good for foreigners in Singapore?
Yes, provided your annual income is at least S$42,000.
If you’re a regular online shopper, ride-hailing user, or fashion lover in Singapore, the Citi Rewards Card is one of the best lifestyle credit cards available.
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Final tip: If you want a credit card in Singapore that multiplies your everyday lifestyle spending into valuable rewards, the Citi Rewards Card is the one to beat.
