Credit Cards to have in your wallet in 2020

2020 is just around the corner, and it is timely to review the cards in your wallet that can earn you the most miles for the year ahead, and beyond.

UOB Preferred Platinum Visa

uob ppv

This card will give you 4 mpd for all contactless transactions, subject to a maximum of S$1000 per calendar month. Given the proliferation of merchants accepting contactless forms of payment, this card will come in handy when it comes to earning miles.

UOB Visa Signature


The UOB Visa Signature card will also earn you 4 mpd for all contactless transactions, subject to a minimum spend of S$1000 and a maximum spend of S$2000 per statement cycle. The card also earns you 4 mpd for all overseas spend subject to the same caps mentioned above. You can therefore earn a maximum of 8000 miles per statement month on this card for eligible 4 mpd spend.

DBS Woman’s World Mastercard

dbs wwmc

If you prefer to make online transactions, then this is the card for you. The DBS Woman’s World Mastercard will earn you 4 mpd for all online transactions subject to a maximum spend of S$2000 per calendar month. Just be aware that some merchants may process your credit card details offline, so it is best to double check that your miles have been awarded correctly whenever your statement is generated.



This card is great for overseas spend where you’ll earn 4 mpd, but only until 29 Feb 2020, following which the earn rate will fall to 2.1 mpd for overseas spend. You will be better off using the UOB Visa Signature then.

Bank of China Elite Miles World Mastercard


This card is the best general spend card that give you 1.5 mpd for local spend, and 3 mpd for overseas spend.



While not as good a general spend card as the BOC EM, this card earns a respectable 1.4 mpd for local spend and 2.4 mpd for overseas spend. However, besides this the card offers 6 mpd for selected bookings on Expedia and Agoda on a promotion that has been ongoing for some time now.

American Express Platinum Charge Card


This is more of a lifestyle card. You won’t get much miles out of it, but you can enjoy up to 50% of dining on their Love Dining programme, and loads of other benefits including elite status with hotel programmes such as Hilton Honors, Radisson Rewards, Marriott Bonvoy, and Shangri-La Golden Circle.

Other Optional Cards

The Citi Rewards card is a close contender to the DBS WWMC for online transactions, although it has a lower cap of S$1000 per statement cycle to enjoy the 4 mpd earn rate. Maybank’s World Mastercard is also great if you love to dine at Paradise Group and Imperial Treasure restaurants where you’ll earn 4 mpd, and it also allows you to earn 4 mpd at all gas stations. If you love shopping, then you’ll want the OCBC Titanium Rewards card in your wallet, that will earn you 4 mpd for all online and offline shopping, both local and overseas.

Read more about specialised spending and general spending cards to have a better idea of which cards suit you better.

Wishing everyone an awesome 2020 ahead!