Data rules
- Every rate, cap, fee and gift comes from a bank product page or T&C PDF with a source URL and last-checked date.
- We never invent numbers. If a field is null or unverified, the page says “check bank” or omits it.
- Verified cards have gaps cleared for the fields we publish. Partial cards may miss gift conditions, exclusion lists, or conversion details.
- Miles and cashback are given equal weight in the product — the calculator can filter to either.
Calculator ranking
- Inputs: monthly dining, groceries, online, transport, overseas (foreign-currency) spend in SGD.
- Each modelled card produces an estimated monthly reward (miles or cashback S$).
- To rank miles against cashback, miles are valued at an illustrative S$0.014 each. That is for ordering only — not a redemption rate.
- Caps and min-spend tiers are applied where verified. Transaction-block rounding (e.g. per S$5) is ignored for simplicity.
Card-specific assumptions (disclosed in results)
- UOB PRVI Miles: local SGD 1.4 mpd; overseas 2.4 mpd (not the MITV 3 mpd rate).
- UOB Lady’s: optional “Dining = preferred”; bonus 4 mpd capped at S$1,000/mo (Classic/Platinum/World). Savings-account boosts not modelled.
- HSBC Revolution: dining + online + transport as bonus MCCs at 4 mpd; bonus points capped (9,000 or 22,800 with high ADB). Groceries/overseas at base 0.4 mpd.
- UOB One: quarterly cashback ÷ 3; optional tier; ~40% of dining+transport as Grab/McD/Shopee/SimplyGo for additional %; additional capped S$120/mo.
- SC Smart: tier by total spend; bonus-merchant share is optional and approximate.
- Partial cards (Altitude, Amex KF, OCBC 365, Simply Cash, etc.): rough models only — flagged in the UI.
OCBC 365 and affiliates
OCBC’s direct S$300 welcome gift excludes applications via SingSaver, MoneySmart and other third parties. On any page that sends users through an affiliate link, we must not present that bank gift as available via the partner.
Merchant pages
- Each merchant page models S$300 spend at that merchant and ranks every published card using the same verified earn/cap/exclusion fields as the calculator.
- Merchant-specific bonuses (Grab on Amex KF, UOB One Grab/Shopee/McD/SimplyGo/Shell/SP, OCBC Watsons, HSBC Revolution bonus MCCs, Citi Rewards online 10X, UOB PRVI Agoda/Expedia portal) apply only when the merchant matches a named or MCC-verified rate in
cards.json. - Typical MCCs are industry defaults — issuers may code differently. High-exclusion merchants (Singtel bills, SP utilities) still publish with clear callouts.
- Global assumptions are listed on every merchant page and in
data/merchants.json.
What this site is not
- Not a blog / not Novatise CMS — tool + directory pages only.
- Not financial advice. Issuers approve applications at their discretion.