dining
MCC 5814, 5812
By Spiddy Ng
Best credit card for Starbucks Singapore
Starbucks Singapore. Stored-value card top-ups may not earn the same as café spend. Modelled on S$300 spend. Miles and cashback ranked equally (miles at illustrative S$0.014). Author: Spiddy Ng.
Estimates only. We never invent rates — figures come from
cards.json (dataset 2026-10-22).
Affiliate links use rel="sponsored". See Disclosure and Methodology.
Named / MCC boosts we apply
- sc-smart Starbucks bonus
- ocbc-365 dining 6%
- hsbc-revolution dining bonus
Modelling assumptions
S$300 café spend (not Starbucks card reload). SC Smart lists Starbucks as bonus merchant.
- Modelled as S$300 spend at this merchant in one calendar/statement month (unless noted).
- Miles valued at illustrative S$0.014 each for ranking only (same as calculator).
- UOB One: assume qualifying Tier ≥ S$1,000/mo + ≥10 txns (additional Grab/McD/Shopee/SimplyGo 5%, grocery add-on 2.67%) unless the merchant needs Tier 3 (Shell).
- HSBC Revolution: standard bonus-points cap (9,000/mo), not Everyday Global ADB boost.
- UOB Lady's: preferred-category bonus only when the merchant plausibly maps to Dining or Shopping; otherwise base 0.4 mpd.
- SC Smart: when merchant is a listed bonus merchant, assume monthly eligible spend ≥ S$800 (8% bonus tier); otherwise other-eligible rate.
- Transaction-block rounding (per S$5 / S$10) ignored. Caps applied where verified.
- MCC codes are typical industry codes — issuers may code a merchant differently; always check your statement.
Ranked cards for Starbucks
| Card | Modelled rate | On S$300 | Caps | Caveats & sources | Links |
|---|---|---|---|---|---|
| 8% bonus merchant (assumes ≥ S$800 total eligible spend) | S$24.00 est. cashback S$
≈ S$24.00 rank value
|
No cap in verified T&C |
Source: bank T&Cs · last checked 2026-10-22 |
Card No Creatory link | |
| 6% dining MCC | S$18.00 est. cashback S$
≈ S$18.00 rank value
|
S$160/mo cap on 6%/3% categories; assumes ≥ S$800 total spend |
Source: bank T&Cs · last checked 2026-10-22 |
Card Apply | |
| 4 mpd contactless/online bonus MCC (modelled) | 1,200 est. miles
≈ S$16.80 rank value
|
Bonus points capped 9,000/mo (≈ S$1,000 bonus spend at 9 pts/S$) |
Source: bank T&Cs · last checked 2026-10-22 |
Card Apply | |
| 4 mpd preferred Dining (cap S$1,000/mo) | 1,200 est. miles
≈ S$16.80 rank value
|
Bonus UNI$ cap ≈ S$1,000 preferred spend/mo (Classic/Platinum/World) |
Source: bank T&Cs · last checked 2026-10-22 |
Card Apply | |
| 1.4 mpd local SGD | 420 est. miles
≈ S$5.88 rank value
|
No cap on base miles | Source: bank T&Cs · last checked 2026-10-22 |
Card Apply Apply | |
| 1.3 mpd local SGD | 390 est. miles
≈ S$5.46 rank value
|
No cap stated for base earn |
Source: bank T&Cs · last checked 2026-10-22 |
Card Apply Apply | |
| 1.3 mpd (miles mode) / cashback mode varies by age | 390 est. miles (miles mode)
≈ S$5.46 rank value
|
Miles mode uncapped; cashback mode has category caps |
Source: bank T&Cs · last checked 2026-10-22 |
Card Apply | |
| 1.2 mpd local SGD | 360 est. miles
≈ S$5.04 rank value
|
Uncapped base miles (bank page) |
Source: bank T&Cs · last checked 2026-10-24 |
Card Apply | |
| 1.1 mpd general eligible | 330 est. miles
≈ S$4.62 rank value
|
Uncapped (non-Grab) |
Source: bank T&Cs · last checked 2026-10-22 |
Card No Creatory link | |
| 1.5% unlimited eligible | S$4.50 est. cashback S$
≈ S$4.50 rank value
|
Unlimited |
Source: bank T&Cs · last checked 2026-10-22 |
Card Apply | |
| 1 Point/S$ (not in 10X MCC / online list for this merchant) | 300 est. ThankYou Points
≈ S$1.20 rank value
|
Base uncapped |
Source: bank T&Cs · last checked 2026-10-22 |
Card Apply | |
| No merchant additional % (quarterly tier separate) | S$0.00 est. additional cashback S$
≈ S$0.00 rank value
|
Additional cashback capped S$120/statement month |
Source: bank T&Cs · last checked 2026-10-22 |
Card Apply |