Best Credit Cards for General Spending in Singapore
Finding the right credit card for everyday purchases can significantly boost your rewards. This guide breaks down the best cards for general spending in Singapore based on Merchant Category Codes (MCC).
1. UOB Visa Signature - Best Overall for General Spending
Rewards Rate: 4 MPD = 10X UNI$ for a wide variety of expenditures Key Benefit: Earns 4 MPD on all shopping categories including:
- Online shopping (MCC 5399, 5732, 5734)
- Department stores (MCC 5310, 5311)
- Dining (MCC 5812, 5814)
- Travel bookings (MCC 3000-3299, 3351-3500)
Best For: People who just want a simple card that gives 4 MPD for a lot of general use cases. But it is capped at $1,200 and there is a minimum spend of $1,000 to hit the 4 MPD. But you need add it to your mobile phone (Android or iPhone) or PayWave to get the bonus.
[T&Cs] (https://www.uob.com.sg/web-resources/personal/pdf/personal/cards/credit-cards/travel-cards/uob-visa-signature-card/terms-and-conditions-governing-uob-visa-signature-card.pdf) Annual Fee: $192.60 (waived first year)
2. PPV (UOB Preferred Platinum Visa) - Best for Online Shopping & Dining
Rewards Rate: 4 MPD = 10X UNI$ = 4 miles per $1 on eligible categories Key Benefit: Earns 10X on:
- Online shopping (MCC 5399)
- Food delivery (MCC 5814)
- Dining (MCC 5812)
- Travel bookings (MCC 3000-3299, 4121)
Best For: Online shoppers and foodies who frequently order delivery or dine out. This is good card if you shop online often and also do offline shopping. Downside is that the amount is rounded down to the nearest $5. So $14 spend means it will be rounded down to $10 and the $10 will be used to calculate the 4 MPD
Annual Fee: $256.80 (waived first year)
Go here to check which MCC gives the best miles for these 2 cards. Or here to see what are the MCCs for a particular merchant Last Updated: February 2026 | This guide reflects current credit card rewards programs and MCC codes as of February 2026. Terms may change. Always check with the issuing bank for the latest rewards structure.