HSBC Revolution Credit Card
No Annual Fee
Which Are The Best Cards To Earn Miles While Shopping?
Updated: 20 May 2026
Written byAaron Wong
The Milelion
Whether you are refreshing your wardrobe, buying the latest gadget, or ordering your weekly groceries, every click can bring you closer to your next holiday. Choosing which credit card is best for online shopping depends heavily on how you want to be rewarded. For those looking to swap their spending for vacation flights, picking the best credit card to earn miles turns everyday consumption into travel opportunities.
Below is an in-depth breakdown of the top cards to earn miles while shopping, so you can maximize your points on every digital checkout.
Best Online Shopping Cards at a Glance
| Credit Card | Miles Earn Rate (Online Shopping) | Key Monthly / Annual Bonus Cap | Best For |
| Citi Rewards Card | 4 mpd (10X Points) | S$1,000 per statement month | Online retail fashion, bags, shoes, and department stores. |
| OCBC Rewards Card |
4 mpd (10X Points) (Promo: 6 mpd) |
S$1,000 per calendar month (Promo cap: 5,000 bonus points) |
Major e-commerce platforms (Shopee, Lazada, Taobao, TikTok Shop). |
| DBS Woman’s World Card | 4 mpd (10X Points) | S$1,000 per calendar month | Universal online retail transactions and digital bookings. |
| UOB Lady’s Card |
4 mpd (10X UNI$) (Up to 6 mpd with savings account) |
S$1,000 per calendar month | Pick-your-own categories (e.g., Fashion, Family, Travel). Open to all genders. |
| HSBC Revolution Credit Card |
4 mpd (10X Points) (Up to 8 mpd with premier account) |
S$1,000 per calendar month <br>*(Enhanced cap: S$1,200)* | Everyday contactless payments, online shopping, and travel bookings. |
SingSaver x HSBC Credit Cards Exclusive Offers
Score S$400 Cash, a Dyson Airstait, Dyson V8 Cyclone cordless vacuum, 25,000 HeyMax Miles (worth S$600), or a Xiaomi Smart Filtered Water Dispenser Pro + S$100 eCapitaVoucher Bundle (worth S$469) when you apply for an HSBC Credit Card via SingSaver and fulfil promo requirements. Valid until 1 June 2026. T&Cs apply.
Citi Rewards Card
The Citi Rewards Card is heavily regarded as one of the best cards to collect miles because of its wide-ranging definition of online retail. It gives you 10X Rewards Points (equivalent to 4 miles per dollar) on almost all online transactions, making it an easy answer to which credit card is best for shopping digitally.
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Miles Earn Rate: 4 mpd (10X Citi Points) on eligible online transactions and offline retail shopping.
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The Catch: The 4 mpd bonus rate is capped at the first S$1,000 spent per statement month. Furthermore, Citi explicitly excludes travel-related categories (such as airline tickets, hotel bookings, and travel agencies) from earning the 10X bonus points.
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Pro-Tip: To truly unlock its potential, pair this card with the Instarem Amaze card. By linking your Citi Rewards Card to Amaze, you can convert physical, offline retail purchases into online transactions, effectively triggering the 4 mpd earn rate globally while dodging heavy bank foreign currency fees.
OCBC Rewards Card
Formerly known as the Titanium Rewards Card, the newly rebranded OCBC Rewards Card has pivoted away from its old annual capping system to align closely with modern monthly reward structures. It remains a powerful contender when looking for the best cards to collect miles on targeted merchant platforms.
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Miles Earn Rate: 4 mpd (10X OCBC$) on selected online and offline retail merchants, such as department stores, clothing outlets, and electronics.
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The Catch: The 4 mpd cap is fixed at S$1,000 per calendar month. The old strategy of applying for both the Blue and Pink card versions to double an annual S$12,000 cap is no longer applicable under this updated monthly configuration.
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Pro-Tip: If you frequently buy essentials online, look out for OCBC's frequent bonus boosts. The bank runs highly competitive promotions—such as an elevated 6 mpd campaign on dominant e-commerce platforms including Shopee, Lazada, Taobao, TikTok Shop, and Watsons—giving your miles balance a massive acceleration.
SingSaver x OCBC Credit Cards Exclusive Promo
Apply for an OCBC Credit Card via SingSaver and choose from S$420 Cash, 28,000 MaxMiles by HeyMax (worth S$600), 50,000 OCBC$ or 20,000 90°N Miles (each worth a round trip to Bali), or premium lifestyle rewards such as Dyson Airstrait, Dyson V8 Cyclone cordless vacuum, or S$450 Grab Voucher. Valid until 20 May 2026. T&Cs apply.
DBS Woman’s World Card
Do not let the name fool you—men can apply for this card too. The DBS Woman’s World Card stands tall as a powerhouse for internet spend, offering a stellar 4 mpd on a vast array of digital checkouts, from clothing hauls to ride-hailing and movie tickets.
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Miles Earn Rate: 4 mpd (10X DBS Points) on eligible online purchases, local or overseas.
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The Catch: Due to recent structural devaluations, DBS has tightened the parameters on this card. The highly coveted 4 mpd rate is now capped at S$1,000 per calendar month (down from its historical S$2,000 limit). Spending beyond this threshold drops sharply to the base rate of 0.4 mpd.
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Pro-Tip: Because a single high-ticket item like an international flight or a luxury handbag can instantly wipe out your entire S$1,000 monthly bonus limit, time your big-ticket purchases carefully and route routine everyday spending to alternative cards.
UOB Lady’s Card & Lady’s Solitaire Card
In a major and welcome policy shift, UOB opened its signature Lady's portfolio to all applicants regardless of gender, making it a universally accessible option for those seeking the best credit card to earn miles.
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Miles Earn Rate: 4 mpd (10X UNI$) on your choice of preferred spending categories (including Fashion, Family/Grocery, Dining, and Travel). The UOB Lady’s Solitaire Card ups the ante by allowing you to select two bonus categories instead of one.
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The Catch: The standard Lady’s Card bonus is capped at S$1,000 of spend per calendar month, while the higher-tier Solitaire card accommodates up to S$2,000.
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Pro-Tip: You can supercharge this card into a 6 mpd monster. By pairing the credit card with a UOB Lady’s Savings Account and maintaining a minimum Monthly Average Balance of S$10,000, UOB awards an extra 2 mpd on your chosen categories, securing its spot among the absolute top cards to earn miles while shopping.
HSBC Revolution Credit Card
The HSBC Revolution Credit Card has undergone a massive resurgence, permanently reinstating travel and contactless payments into its bonus mechanics and upgrading its profile to a premium Visa Signature tier.
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Miles Earn Rate: 4 mpd (10X HSBC Reward Points) on qualified online, travel, and contactless transactions.
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The Catch: For regular cardholders, the 4 mpd rate applies to a maximum cap of S$1,000 per calendar month.
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Pro-Tip: HSBC has introduced a high-yield relationship banking tier known as "Revo Up". If you become an enhanced cardholder by maintaining an average daily balance of S$50,000 in an HSBC Everyday Global Account (EGA) and completing basic account criteria, your earn rate gets boosted to an astounding 20X Points (8 mpd) on your bonus categories, with an expanded monthly cap of S$1,200. This makes it a premier solution if you are wondering which credit card is best for online shopping and everyday lifestyle spending combined.
>>Read more: The HSBC Revolution Card Review
Conclusion
As you can see, there are numerous great options to earn miles when you shop online and offline, in Singapore and overseas. That said, don’t let the promise of miles and points be an inducement to spend more than you otherwise would have. Credit card rewards should be seen as a way of not leaving money on the table, not a way of putting more down!
Compare and apply for the best air miles credit cards on SingSaver
Now that you're familiar with the wide array of shopping cards that can earn you miles, it's time to pick the best air miles card that suits your shopping lifestyle and needs.
Compare and apply for the best air miles credit cards on SingSaver, and get exclusive sign-up bonuses (on top of the bank's own welcome gifts)!
About the author
Aaron Wong
Aaron founded The Milelion to teach people how to travel better for less, with credit cards, airline and hotel loyalty programmes. With 500,000 miles flown and counting, he’s keen to debunk the myth that you can’t travel in style without breaking the bank.