How To Check Credit Card Points Breakdowns

Most people check their credit card statement every month. But it’s just as important to check your credit card points!

In a perfect world, your credit card transactions and points would always tally nicely. Spend S$100 at a merchant with a 4 miles per dollar card? Expect 400 miles to be credited to your account.

Unfortunately, because of vagaries surrounding Merchant Category Codes (will dining in a hotel code as restaurant spend, or hotel spend?), differences between transaction and posting dates, and discrepancies in back-end coding (online transactions sometimes code as offline), periodically checking your credit card points breakdown is a necessary aspect of miles game hygiene.

The good news is that it doesn’t have to be a thankless chore. While tracking credit card points used to involve creating your own spreadsheets and long calls with customer service, many banks have simplified the process by making breakdowns available online.

Looking for the best credit cards to complement your spending patterns and expenditure in 2024? Check out our Ultimate Credit Card Guide that covers all things credit cards in Singapore – from choosing between a cashback, miles, or rewards credit card to planning your credit card strategy.

Read Our Ultimate Credit Card Guide

Which banks provide credit card points breakdowns?

Before we begin, here’s a brief summary of which banks provide credit card points breakdowns:

American Express
Citibank
DBS
OCBC
Standard Chartered
UOB

If your credit card is from Bank of China, HSBC, or Maybank, only points totals are provided at the moment.

Points balances can be checked either through the mobile banking app or the desktop online banking portal, depending on the bank.

SCB_JOURNEY_DYSON_BLOGARTICLE_800x250

SingSaver Exclusive Offer: Receive the following rewards when you sign up for a Standard Chartered Journey Card:

Receive a Dyson AM07 (worth S$459) or Apple AirPods (3rd Gen) With Magsafe Charging Case (worth S$274) or up to S$120 cash upon activating your card within 30 days and no minimum spend required. Also, get an additional S$20 e-Capitaland voucher when you make a min. spending of $1,000 in your 2nd month. Valid till 1 May 2024. T&Cs apply.

Also, get an additional S$20 e-Capitaland Voucher when you split the payment for your purchases with SCB Easy Pay, pay your bills with SCB Easybill or put any of your purchases on instalment in SCB Savings Account or Current Account within 60 days of approval. Valid till 1 May 2024. T&C applies.

SCB_JOURNEY_DYSON_BLOGARTICLE_800x250

SingSaver Exclusive Offer: Receive the following rewards when you sign up for a Standard Chartered Journey Card:

American Express

American Express has two main types of rewards currencies: Membership Rewards Points, and HighFlyer Points/KrisFlyer miles.

The approach is different depending on which one you want to check.

Membership Rewards Points

(1) Login to your AMEX account

(2) Select the card you wish to view in the top right hand corner

(3) Click on "Use Points"

(4) Click on "My Points"

(5) Use the drop down menu on the left to see different time periods. Breakdowns can be viewed for the past 12 months.

KrisFlyer/HighFlyer points

KrisFlyer/HighFlyer points breakdowns can only be viewed on the AMEX Mobile App.

(1) Login to your account

(2) Select the card you wish to view

(3) Tap "Membership" at the bottom of the screen

(4) Tap "View Activity"

(5) You'll see a breakdown of points earned in the previous statement period (you can't go back further than that, sadly).

Unfortunately, this interface only shows you the points, not the transaction amount. This makes reconciliation somewhat more troublesome.

Read Our Ultimate Credit Card Guide

Citibank

While Citibank provides points breakdowns, it’s a little bit messy because transactions are batched and consolidated by day, instead of by transaction. If you use your card several times a day, it may be tricky to work out which transactions did and did not earn a bonus.

(1) Login to your Citibank account

(2) Click "Review Your Reward Balance"

(3) Click "Rewards Redemption" next to the card account you wish to view

(4) Hover the mouse over your name and points balance on the top right hand corner. Click on "My Points Summary"

(5) You can view your points breakdown all the way back to the date you opened your account

SCB_JOURNEY_DYSON_BLOGARTICLE_800x250

SingSaver Exclusive Offer: Receive the following rewards when you sign up for a Standard Chartered Journey Card:

SCB_JOURNEY_DYSON_BLOGARTICLE_800x250

SingSaver Exclusive Offer: Receive the following rewards when you sign up for a Standard Chartered Journey Card:

DBS

DBS allows you to check points breakdowns via the DBS Virtual Assistant.

(1) Login to your DBS account

(2) Click the Virtual Assistant icon at the bottom right hand corner

(3) Type "Rewards Enquiry" and click "View Rewards" ➤ "Points Per Transaction"

(4) You will now see the points awarded per transaction. Click on "See More" to populate additional entries

For bonus points, look for a consolidated entry labelled "Ecom" (e-commerce). It's not disaggregated, however, so you'll still have some work to do.

Do note that for whatever reason, not every DBS user will see the "Ecom" entry, even if they have eligible bonus transactions.

In that case, you'll have to call up customer service to check your bonus points.

Read Our Ultimate Credit Card Guide

OCBC

While OCBC provides transaction-level points breakdowns, they use reference numbers rather than merchant names for tracking, so it's far from intuitive. You'll need to cross refer to your card statement to figure out which transaction is which.

(1) Login to your OCBC account

(2) Hover your mouse over "Rewards", then click "Rewards"

(3) Click on "Transaction History"

(4) Click on the reference number of the transaction you want to investigate

(5) Scroll down and see the points awarded on this transaction

SCB_JOURNEY_DYSON_BLOGARTICLE_800x250

SingSaver Exclusive Offer: Receive the following rewards when you sign up for a Standard Chartered Journey Card:

SCB_JOURNEY_DYSON_BLOGARTICLE_800x250

SingSaver Exclusive Offer: Receive the following rewards when you sign up for a Standard Chartered Journey Card:

Standard Chartered

Standard Chartered’s new rewards portal allows customers to track transaction-level points breakdowns, with a limit of up to three months.

(1) Login to your Standard Chartered account

(2) Click on your name on the top right, then "Transaction History"

(3) Choose which card you want to see a breakdown for. Points breakdowns can be viewed for up to three months.

SCB_JOURNEY_DYSON_BLOGARTICLE_800x250

SingSaver Exclusive Offer: Receive the following rewards when you sign up for a Standard Chartered Journey Card:

SCB_JOURNEY_DYSON_BLOGARTICLE_800x250

SingSaver Exclusive Offer: Receive the following rewards when you sign up for a Standard Chartered Journey Card:

UOB

UOB probably has the best points tracking system of all. It’s natively integrated to the mobile banking app, and it even breaks out points into base and bonus so you know whether you’re earning the correct number of points in total.

(1) Login to the UOB TMRW app and tap Rewards+ ➤ My Rewards ➤ UNI$

(2) You'll see a breakdown under the UNI$ history section (tap "view all" to see more), for the past three months.

If you spend using the UOB Preferred Platinum Visa, you'll see a transaction-level bonus entry.

If you use the UOB Lady's Card, UOB Lady's Solitaire or UOB Visa Signature, you'll see a consolidated monthly bonus entry at the start of each month.

Read Our Ultimate Credit Card Guide

Conclusion

If your credit card is issued by Bank of China, HSBC and Maybank, you'll still need to call up customer service if you suspect your points tally isn't correct.

Fortunately, it’s a simple enough matter to check your points balances with other banks, and I’d encourage you to do so at least once a month to make sure everything is in order.

If you do see missing points, it’s worth contacting customer service to see what went wrong. I personally had a few transactions on my DBS Woman’s World Card that should have earned 4 miles per dollar (by virtue of being online) but didn’t.

Upon checking with the bank, I was told that the back-end indicators showed it was processed offline, but if I could submit proof it was done online (e.g. an email receipt) then they could credit the points manually. I did so, and the correct points were credited.

Taking a few minutes to check your points each month can prevent a lot of heartache down the road. Start forming good habits!