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Which card for… › Bills › Memberships

Best credit card for memberships

Clubs, associations, unions. Many cards give nothing here, and each bank treats it differently, so it pays to check. 21 of 48 cards earn something. Figures for a S$1,000 payment. Cards with many hurdles are left out; include them.

Miles cards

Best

  1. Standard Chartered BeyondStandard Chartered · Miles Easy
    1.5 mpd≈ 1,500 miles on S$1,000

    No minimum spend · Cap: No cap

Next best

  1. HSBC Premier MastercardHSBC · Miles Easy
    1.4 mpd≈ 1,400 miles on S$1,000

    No minimum spend · Cap: No cap

  2. Citi Prestige CardCiti · Miles Easy
    1.3 mpd≈ 1,300 miles on S$1,000

    No minimum spend · Cap: No cap

  3. These 4 earn the same
  4. Amex KrisFlyer Ascend Credit CardAmerican Express · Miles Easy
    1.2 mpd≈ 1,200 miles on S$1,000

    No minimum spend · Cap: S$200 a month

  5. Citi PremierMilesCiti · Miles Easy
    1.2 mpd≈ 1,200 miles on S$1,000

    No minimum spend · Cap: No cap

  6. HSBC TravelOneHSBC · Miles Easy
    1.2 mpd≈ 1,200 miles on S$1,000

    No minimum spend · Cap: No cap

  7. Standard Chartered JourneyStandard Chartered · Miles Easy
    1.2 mpd≈ 1,200 miles on S$1,000

    No minimum spend · Cap: S$1,000 a statement

  8. Amex KrisFlyer Credit CardAmerican Express · Miles Easy
    1.1 mpd≈ 1,100 miles on S$1,000

    No minimum spend · Cap: S$200 a month

Cashback cards

Best

  1. Trust Freedom · StockbackTrust · Cashback Easy
    3%S$30.00 cashback on S$1,000

    No minimum spend · Cap: S$500 cashback a quarter · Stockback on local spend

Next best

  1. DCS Ultimate Platinum MastercardDCS · Cashback Easy
    2%S$20.00 cashback on S$1,000

    No minimum spend · Cap: No cap

  2. UOB Absolute Cashback CardUOB · Cashback Easy
    1.7%S$17.00 cashback on S$1,000

    No minimum spend · Cap: No cap

  3. Citi Cash Back+Citi · Cashback Easy
    1.6%S$16.00 cashback on S$1,000

    No minimum spend · Cap: No cap

  4. These 2 earn the same
  5. American Express True Cashback CardAmerican Express · Cashback Easy
    1.5%S$15.00 cashback on S$1,000

    No minimum spend · Cap: No cap

  6. Standard Chartered Simply CashStandard Chartered · Cashback Easy
    1.5%S$15.00 cashback on S$1,000

    No minimum spend · Cap: No cap

Try another amount

Other bills

InsuranceUtilitiesPhone & internetGovernment & taxEducationHospitalsClinics & dentistsWallet top-upsInvestmentsDonationsCardUp, ipaymy & similarAXS & SAM

See what each bill earns on your own cards

Cardinko shows which of your cards earn on insurance, CardUp, AXS and other bills, and tracks your caps as you pay.

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