Netflix, Spotify, GrabFood, XBox: Best Credit Cards For Online Subscriptions

With the enhancement of social distancing measures, most Singaporeans will be staying home for the foreseeable future. 

But just because you’re home, it doesn’t mean life has to come to a halt. You still need your food and groceries. You need your video chat and Skype. You need your downtime and Netflix. And all of these need to be paid for.  

So, which credit cards give you the biggest return on online subscriptions? Read on to find out. 

Entertainment Streaming Services

Whether you’re paying for Netflix, Amazon Prime, Spotify, HBO Go or any of the other streaming services out there, here are the credit cards you’d want to use for maximising miles. 

Do note that the UOB PRVI Miles AMEX’s 3 mpd offer is for transactions up to 30 June 2020 only. It also requires you to spend at least $2,500 on eligible transactions, such as groceries and selected online merchants. The 3 mpd is capped at a maximum of $5,000 spending. 

Card	Annual Fee	MPD	Conditions
DBS Woman’s World	$192.60 (first year free)	4 mpd	First $2,000 of online spending per month
Citi Rewards	$192.60 (first year free)	4 mpd	First $1,000 of online spending per statement period
UOB PRVI Miles AMEX	$256.80 (first year free)	3 mpd	For Netflix & Spotify only, must spend at least $2,500 on eligible transactions from 1 April to 30 June, capped at $5,000
HSBC Revolution	$160.50 (first 2 years free)	2 mpd	No cap, no minimum spending

Food Delivery Subscriptions

With all restaurants closed for dine-in during this period, only takeaway or delivery options are available. Many of you may have signed up for Deliveroo Plus or GrabFood subscription plans. If so, be sure to use the following cards: 

Card	Annual Fee	MPD	Conditions
DBS Woman’s World	$192.60 (first year free)	4 mpd	First $2,000 of online spending per month
Citi Rewards	$192.60 (first year free)	4 mpd	First $1,000 of online spending per statement period
UOB Pref. Platinum Visa	$192.60 (first year free)	4 mpd	First $1.1K of online spending per month
UOB Lady’s	$192.60 (first year free)	4 mpd	First $1,000 of spending per month. Must choose “dining” as your quarterly bonus category
KrisFlyer UOB	$192.60 (first year free)	3 mpd	Must spend at least $500 on SIA-group transactions in a membership year
UOB PRVI Miles AMEX	$256.80 (first year free)	3 mpd	For Netflix & Spotify only, must spend at least $2,500 on eligible transactions from 1 April to 30 June, capped at $5,000
HSBC Revolution	$160.50 (first 2 years free)	2 mpd	No cap, no minimum spending

The above cards are great when paying for Deliveroo/Foodpanda/GrabFood orders. 

LiveUp Subscription

LiveUp may have undergone a significant devaluation in 2019, but a subscription may still be useful for some customers. The benefits that are particularly useful during this period are:

• A 4% rebate on LazMall orders
• A 4% rebate on RedMart orders, and free delivery with a minimum $40 spend
• 8 x $3 off delivery vouchers for GrabFood with a minimum $20 order 
• 2 months free Storytel subscription (an audiobooks and e-books service)

The following cards will give you bonus miles on your LiveUp subscription:

Card	Annual Fee	MPD	Cap
DBS Woman’s World	$192.60 (first year free)	4 mpd	First $2,000 of online spending per month
Citi Rewards	$192.60 (first year free)	4 mpd	First $1,000 of online spending per statement period
UOB Pref. Platinum Visa	$192.60 (first year free)	4 mpd	First $1,000 of online spending per month
OCBC Titanium Rewards	$192.60 (first 2 years free)	4 mpd	First $12,000 of online spending per membership year
UOB Lady’s	$192.60 (first year free)	4 mpd	First $1,000 of spending per month. Must choose “fashion & shopping” as your quarterly bonus category
HSBC Revolution	$160.50 (first 2 years free)	2 mpd	No cap, no minimum spending

Gaming Services

No one’s advocating that you become a couch potato during your stay-home stint, but having an outlet to keep away stress definitely helps you stay sane. For many, this comes from video games. Whether you’re an Xbox or a Playstation person, you’ll need a subscription to play multiplayer games online. 

Card	Annual Fee	MPD	Cap
DBS Woman’s World	$192.60 (first year free)	4 mpd	First $2,000 of online spending per month
Citi Rewards	$192.60 (first year free)	4 mpd	First $1,000 of online spending per statement period
HSBC Revolution	$160.50 (first 2 years free)	2 mpd	No cap, no minimum spending

If the subscription is in foreign currency

Finally, some of the subscriptions you’re paying for may be billed in foreign currency, like Zoom or Skype credits. 

If that’s the case, you can use any of the cards below, which award bonus miles for foreign currency transactions, whether offline or online. 

Card	Annual Fee	Earn Rate	Conditions
UOB Visa Signature	$214 (first year free)	4 mpd	Spend at least $1,000 in FCY per statement month, max $2,000
BOC Elite Miles	$190 (first year free)	3 mpd	No min. spend
SCB X Card	$695.50	3 mpd	Spend at least $2,000 per month, until 30 June 2020

Having the right subscription plans can help you save big on essentials and entertainment that keep you going through tough times. And, if that gives you an opportunity to build up miles, there’s no better news than that. After all, the hope is to take to the skies again. 

Read these next:
Food Delivery Promo Codes 2020: GrabFood, Deliveroo, Foodpanda, WhyQ
Get Your Meals On Demand And Healthy Food Fix With These Food Delivery Subscription Services (2020)
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