Strategically leverage your wedding spend by unlocking massive sign-up bonuses and maximising earn rates, and get the most bang for your bridal buck.

Weddings are joyous occasions, but they’re also one of the most expensive events you'll ever plan. And in Singapore, the biggest cost by far is the wedding banquet. A typical banquet at a mid- to high-end hotel can range from S$1,500 to S$2,500 per table, with some luxury venues charging even more. Multiply that by 20 to 30 tables and you could be spending upwards of S$50,000 or more — just for one night.

But there’s a silver lining: when you're spending that much money, you might as well earn something back. Whether it's miles for your honeymoon, cashback to offset the bills, or exclusive perks that make your planning smoother, credit cards can help turn your wedding expenses into meaningful rewards.

» MORE: How much do wedding banquet packages cost?

Weddings are one of the few life events where you’re expected to fork out tens of thousands of dollars in a short span of time. That’s exactly why they’re ideal for credit card sign-up promotions. For example, the Citi Prestige Card offers perks like golf access, 4th night free on hotel stays, the Citi Prestige Concierge, and complimentary airport limo transfers.

Most sign-up bonuses in Singapore require you to spend S$500 to S$5,000 within the first 30 to 90 days. In return, you can earn up to 60,000 miles, cashback, or reward points, sometimes enough to fund your honeymoon flights or slash your overall bill. 

Here’s how to make the most of it:

• Stagger your banquet payments or work with vendors who accept split transactions, so you can qualify for multiple sign-up bonuses.

• Ensure that the merchant category (MCC) is eligible for the promotion (check T&Cs).

• Use a credit card comparison platform like SingSaver to track the latest offers and pick the right card based on your spending plan.

By planning early and paying smart, you’ll turn your wedding expenses into powerful rewards.

» MORE: Best credit card bonuses and promotions for new cardholders in Singapore for 2025

Besides sign-up rewards, some credit cards give you bonus earn rates for specific spending categories, such as dining, travel, or online shopping.

These category bonuses can give you up to 4 miles per dollar or 8% cashback, much higher than the base earn rate. But the key is to match the card’s bonus category with your wedding vendor’s MCC (Merchant Category Code).

For example:

• Hotel banquets are often tagged under “Hotels” (MCC 7011)

• Wedding dress boutiques may fall under “Retail - Clothing” (MCC 5651)

• Wedding planners might be listed under “Professional Services”

Be sure to check the merchant’s MCC before swiping. Many cards also have monthly caps on bonus earnings, so large banquet payments might exceed the limit, another good reason to spread your spending across multiple cards.

» MORE: Understanding merchant category codes (MCCs) and their impact on credit card rewards

Here are our top picks for credit cards that give you maximum returns on wedding-related spend, whether you’re team cashback or team miles.

Our pick for: Customised rewards for lifestyle categories

The UOB Lady’s Card stands out with its unique feature: the ability to customise your bonus rewards category. This makes it perfect for wedding-related spending, especially if your expenses fall under categories like dining, fashion, travel, or beauty. With up to 15X UNI$ (6 mpd) earned on your selected category and the flexibility to switch it every quarter, this card is ideal for brides and grooms looking to earn miles or points on everything from bridal makeup to honeymoon bookings.

It also works well beyond the wedding, allowing you to continue optimising rewards based on your changing lifestyle needs. When paired with the UOB Lady’s Savings Account, you can enjoy higher interest on your savings just by spending on the card. If you want control, flexibility, and high rewards for your wedding and beyond, this card delivers.

The UOB Lady’s Card stands out for its unique customisability. You get to choose your bonus category  from fashion to travel to beauty and enjoy up to 6 miles per dollar on spend. This is especially handy for brides or grooms who anticipate high spend in lifestyle-related categories.

Wedding expenses often fall into multiple categories, and the quarterly switch feature gives you flexibility to adapt your card strategy over time. You could earn more on your gown purchase this month, then switch to travel for honeymoon bookings next.

It’s also a great card for long-term use. Post-wedding, continue maximising rewards for shopping, wellness, and dining, making this a solid card even after the vows are said.

» Read full review

Our pick for: Everyday travel perks

The UOB KrisFlyer Credit Card is tailor-made for frequent travellers and Singapore Airlines fans. What sets it apart is its automatic crediting of miles to your KrisFlyer account, eliminating the need for conversion fees or delays. Wedding-related expenses at SIA partner hotels or merchants also qualify for 3 mpd, giving you a strong head start towards your honeymoon flight.

Beyond the miles, the card also comes with KrisFlyer milestone rewards (bonus miles for hitting spend thresholds), Grab credits, and discounts with Kris+ partners. For couples planning a honeymoon with Singapore Airlines or Scoot, this card aligns perfectly with both your big day and your next big getaway.

If your dream honeymoon involves flying Singapore Airlines, this card is a perfect match. It directly credits your KrisFlyer miles without any conversion hassle, and offers 3 mpd on SIA, Scoot, and KrisShop spending. Other eligible categories like dining and transport also earn bonus miles, helping you maximise daily spending.

With milestone rewards and travel-friendly features, this card provides great value if you’re a frequent traveller or booking your wedding with SIA hotel partners.

» Read full review

Our pick for: Luxury perks

The Citi Prestige Credit Card is designed for high-spending couples who want their wedding expenses to unlock premium travel and lifestyle experiences. You earn 1.3 to 2 mpd, and the card offers a complimentary fourth-night hotel stay, unlimited airport lounge access via Priority Pass, and 24/7 concierge service, making it easier to plan your big day or honeymoon with VIP support.

The value doesn’t stop there. With 25,000 bonus miles awarded annually upon renewal, you’re effectively subsidising the card’s S$540 fee while building miles for future travel. It’s a strong pick for those who value convenience, exclusivity, and rewards that go beyond simple cashback or miles.

» MORE: Best Citi credit cards Singapore 2025

For couples hosting a grand wedding or planning a luxe honeymoon, Citi Prestige delivers top-tier benefits. Think unlimited Priority Pass lounge visits, fourth-night-free hotel stays, and dedicated concierge support — ideal for planning events and travel.

You also get 25,000 annual renewal miles, which helps offset the high annual fee. If you’re ready to splurge and want to earn rewards while enjoying VIP perks, this card has your name on it.

» Read full review

Our pick for: Affordable miles and perks

DBS Altitude is a fantastic mid-range card for couples looking to earn miles without high minimum spends or annual fees. With 3 mpd on travel bookings and 1.2 mpd on local spend, it’s an ideal choice for wedding payments like hotel banquets or travel bookings for your honeymoon. Miles also never expire, making it easier to accumulate rewards over time.

You’ll also enjoy complimentary travel insurance and regular travel merchant promos like 50% off travel bookings every day of the week, on Trip.com, Expedia, Cathay Pacific. For couples who want a reliable air miles card without the pressure of high fees or steep requirements, the DBS Altitude is a great value-for-money pick.

» MORE: Best DBS credit cards Singapore 2025

DBS Altitude is one of the most accessible air miles cards in Singapore. You get 3 mpd on travel bookings, which is great for honeymoons, and 1.2 mpd on everyday local spend, including wedding banquets.

Miles never expire, which makes this a practical card for long-term travel goals. Plus, there’s free travel insurance when you use the card to book flights, perfect for peace of mind during your post-wedding getaway.

» Read full review

Our pick for: Unlimited cashback with AMEX benefits

The AMEX True Cashback Card is all about simplicity and value. You earn 3% cashback on your first S$5,000 spend within the first 6 months, which aligns perfectly with early wedding deposits or vendor down payments. After that, the rate settles at a steady 1.5% unlimited cashback, with no category restrictions or spend caps.

It also gives you access to American Express Selects dining deals and concierge services, useful for wedding planning or celebrating milestones. If you’re looking for a fuss-free way to earn cashback while enjoying the premium AMEX experience, this card is a reliable option.

» MORE: Best American Express credit cards Singapore 2025

For couples who want fuss-free rewards, this card is straightforward: 3% cashback on your first S$5,000, followed by 1.5% unlimited cashback on all spend. That makes it perfect for banquet deposits and final payments, without worrying about caps or categories.

On top of that, AMEX offers exclusive dining privileges and early access to concert and event tickets — great for post-wedding date nights.

» Read full review

Our pick for: Unlimited flat cashback

The UOB Absolute Cashback Card boasts the highest unlimited cashback rate in Singapore at 1.7%, with no minimum spend or caps. It’s also accepted for many spend types that other cards exclude, such as insurance premiums, education fees, and even government payments. This makes it especially useful for couples with diverse wedding-related costs.

Since it runs on the AMEX network, it may not be accepted everywhere. But when it is, you’ll enjoy unmatched cashback returns. If your vendor accepts AMEX, this is hands down one of the best cards to use for large one-off payments like wedding banquets or bridal packages.

» MORE: Best UOB credit cards Singapore 2025

This card currently offers the highest unlimited flat cashback rate in Singapore at 1.7%. Better yet, it applies to categories that many other cards exclude like insurance premiums, utilities, and even certain government services.

If your wedding vendor accepts AMEX, this is an excellent one-card solution to maximise rebates on big-ticket transactions.

» Read full review

Our pick for: Uncapped cashback with lifestyle perks

With a flat 1.5% cashback on all spend, the SC Simply Cash Card is ideal for couples who want fuss-free rewards without worrying about categories or limits. It’s also widely accepted as a Mastercard, so you won’t face the acceptance limitations that AMEX cards occasionally do.

Beyond the cashback, the card offers EasyPay instalments, which can help you manage large wedding bills by converting them into monthly payments with 0% interest. Combined with a generous two-year annual fee waiver, this is a practical choice for weddings and everyday spending post-celebration.

» MORE: Best Standard Chartered credit cards Singapore 2025

A fuss-free card with 1.5% unlimited cashback, Simply Cash is ideal for wedding couples who don’t want to deal with bonus categories or reward conversions. With a generous two-year fee waiver, it’s also one of the most cost-effective options.

You also get access to EasyPay instalments, which lets you split large bills into manageable monthly payments, helpful if you’re juggling multiple vendors or budget cycles.

» Read full review

Our pick for: Maximising rewards on daily spend

This combination is one of the best hacks in the miles game. When you pair the Citi Rewards Card with the Instarem Amaze card, you get 4 mpd on retail and online spend — even offline payments — without paying foreign currency transaction fees. That makes it ideal for wedding expenses like attire, gifts, or overseas honeymoon bookings.

The S$1,000 monthly bonus cap means it’s best used strategically, but the value is undeniable. After the wedding, this duo continues to shine as a top pick for daily spend, especially for those who shop or travel frequently and want to get the most out of every dollar.

» MORE: Instarem’s Amaze Card review: Is it still amazing?

Pairing Citi Rewards with the Instarem Amaze card is one of the best tricks for maximising rewards. You get 4 mpd on online and offline retail, and Amaze lets you convert Mastercard payments into Citi Rewards transactions with no foreign currency fees.

Great for wedding attire, travel bookings, and even banquet venues (if classified under retail). This combo also works well for everyday use post-wedding.

» Read full review

Your wedding is one of the biggest expenses of your life (especially the banquet). But with the right credit cards, it’s also a major opportunity to earn sign-up bonuses, cashback, and rewards.

To make the most of it:

• Check MCCs to optimise category bonuses

• Split big payments across multiple cards for better returns

• Time your sign-ups around large deposits or vendor payments

By combining planning with smart spending, your dream wedding could pay off in more ways than one.