How To Check Credit Card Points Breakdowns
Updated: 1 Mar 2026
Written byAaron Wong
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.
Which banks provide credit card points breakdowns?
Before we begin, here’s a brief summary of which banks provide credit card points breakdowns:
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.
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.
Looking for the best credit cards to complement your spending patterns and expenditure in 2025? 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.
Looking for the best credit cards to complement your spending patterns and expenditure in 2025? 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.
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
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SingSaver Exclusive Offer: Receive the following rewards when you sign up for a Standard Chartered Journey Credit Card:
Grab S$180 Cash, 12,000 Max Miles (worth S$216), Samsung Galaxy Buds4 Pro (worth S$349), or Samsonite Straren Spinner 67/24 (worth S$600) when you apply for a Standard Chartered Journey Credit Card via SingSaver, spend a minimum of S$800 within 60 days of card approval, pay the annual fee, and apply for one of these products: EasyPay, Bonus$aver Account, CashOne, or CCFT. Valid till 30 September 2026. T&Cs apply.
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.
Looking for the best credit cards to complement your spending patterns and expenditure in 2025? 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.
Looking for the best credit cards to complement your spending patterns and expenditure in 2025? 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.
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
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SingSaver Exclusive Offer: Receive the following rewards when you sign up for a Standard Chartered Journey Credit Card:
Grab S$180 Cash, 12,000 Max Miles (worth S$216), Samsung Galaxy Buds4 Pro (worth S$349), or Samsonite Straren Spinner 67/24 (worth S$600) when you apply for a Standard Chartered Journey Credit Card via SingSaver, spend a minimum of S$800 within 60 days of card approval, pay the annual fee, and apply for one of these products: EasyPay, Bonus$aver Account, CashOne, or CCFT. Valid till 30 September 2026. T&Cs apply.
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SingSaver Exclusive Offer: Receive the following rewards when you sign up for a Standard Chartered Journey Credit Card:
Grab S$180 Cash, 12,000 Max Miles (worth S$216), Samsung Galaxy Buds4 Pro (worth S$349), or Samsonite Straren Spinner 67/24 (worth S$600) when you apply for a Standard Chartered Journey Credit Card via SingSaver, spend a minimum of S$800 within 60 days of card approval, pay the annual fee, and apply for one of these products: EasyPay, Bonus$aver Account, CashOne, or CCFT. Valid till 30 September 2026. T&Cs apply.
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.
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SingSaver Exclusive Offer: Receive the following rewards when you sign up for a Standard Chartered Journey Credit Card:
Grab S$180 Cash, 12,000 Max Miles (worth S$216), Samsung Galaxy Buds4 Pro (worth S$349), or Samsonite Straren Spinner 67/24 (worth S$600) when you apply for a Standard Chartered Journey Credit Card via SingSaver, spend a minimum of S$800 within 60 days of card approval, pay the annual fee, and apply for one of these products: EasyPay, Bonus$aver Account, CashOne, or CCFT. Valid till 30 September 2026. T&Cs apply.
CCAUG_SCB Journey(3 Aug - 31 Aug)_IN ARTICLE BLOG BANNER_800x250-KV1
SingSaver Exclusive Offer: Receive the following rewards when you sign up for a Standard Chartered Journey Credit Card:
Grab S$180 Cash, 12,000 Max Miles (worth S$216), Samsung Galaxy Buds4 Pro (worth S$349), or Samsonite Straren Spinner 67/24 (worth S$600) when you apply for a Standard Chartered Journey Credit Card via SingSaver, spend a minimum of S$800 within 60 days of card approval, pay the annual fee, and apply for one of these products: EasyPay, Bonus$aver Account, CashOne, or CCFT. Valid till 30 September 2026. T&Cs apply.
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.
Looking for the best credit cards to complement your spending patterns and expenditure in 2025? 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.
Looking for the best credit cards to complement your spending patterns and expenditure in 2025? 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.
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!
Best Miles & Travel Credit Cards
Maximise your budget holiday spend even further with the best air miles credit cards and best credit cards for travelling in Singapore. Get rewarded whenever you spend locally or overseas, plus access awesome perks like airport lounges, discounted travel insurance rates, and even free gifts for first sign ups!
| Credit Card | Best for/Benefits | Details | Min. Annual Income |
|
Citi PremierMiles Card
|
- S$1 = 10 miles on Bookings at Kaligo
- S$1 = 7 miles on Hotel Bookings at Agoda - S$1 = 2 miles on Foreign Spend - S$1 = 1.2 miles on Local Spend
- 2 free airport lounge visits per year with Priority Pass
- Up to S$1 million complimentary Travel Insurance coverage when you charge travel tickets to card |
- Miles awarded as Citi Miles, which never expire
- S$27 per redemption - Annual fee: S$196.20 (First year free) |
- Local/PR: S$30,000
- Foreigner: S$42,000
|
|
DBS Altitude Card
|
- S$1 = 3 miles on Agoda Bookings
- S$1 = 2.2 miles on Foreign Spend - S$1 = 1.3 miles on Local Spend
- 2 free airport lounge visits per year with Priority Pass
|
- Miles awarded as DBS Points, which never expire
- 5,000 DBS Points = 10,000 KrisFlyer Miles
- S$27.25 (incl. GST) per redemption - Annual fee: S$196.20 (First year free)
|
- Local/PR: S$30,000
- Foreigner: S$45,000 |
|
OCBC 90°N Miles Card
  |
- S$1 = 1.3 miles on Local Spend
- S$1 = 2.1 miles on Foreign Spend
- S$1 = 7 miles on Agoda Bookings in Foreign Currency
- S$1 = 6 miles on Agoda Bookings in Local Currency
|
- 90°N Miles never expire
- 1 90°N Mile = 1 KrisFlyer Mile
- 90°N Miles can be redeemed per blocks of 1,000 Miles
- Exchange 90°N Miles for cash rebates, vouchers, or offset travel costs too
- Annual fee: S$196.20 (Frist year free)
|
- Local/PR: S$30,000
- Foreigner = S$45,000
|
|
Maybank Horizon Visa Signature Card
|
- S$1 = 2.8 miles on Overseas Spend and Air Tickets (All Airlines)* - S$1 = 1.2 miles on Local Retail Spend^ on Shopping, Dining, Food Delivery, Supermarket, Transport, Hotels, Cruises, Travel Packages, Car Rentals - S$1 = 0.25 miles on Utilities, Education, Insurance, and Medical expenses - Complimentary access to Selected VIP Airport Lounges - Up to S$1 million Complimentary Travel Insurance Coverage |
- Min. S$800 spend per month required, otherwise 1.2 mpd only
- Miles awarded in the form of TREATS Points
- *Capped at 40,000 Bonus TREATS Points per calendar month for Air Tickets. Up to 3.2 mpd for a limited time only. T&Cs apply.
- ^No min. spend, no cap
- Annual fee: S$196.20 (First 3 years free)
|
- Local/PR: S$30,000
- Malaysian Citizen: S$45,000
- Foreigner: S$60,000
|
|
UOB PRVI Miles Card |
- S$1 = 6 miles on Selected Online and Flight Bookings at Agoda, Expedia, and UOB Travel
- S$1 = 2.4 miles on Overseas Spend - S$1 = 1.4 miles on Local Spend - Up to S$500,000 complimentary Travel Insurance Coverage |
- Miles awarded as UNI$
- S$25 per redemption
- Annual fee: S$261.60 (First year free)
|
- Local/PR: S$30,000
- Foreigner: S$40,000
|
|
HSBC TravelOne Card |
- S$1 = 2.4 miles on Foreign Spend
- S$1 = 1.2 miles on Local Spend
- 4 Complimentary Airport Lounge Visits per year (Primary cardholders only)
- Up to US$100,000 Complimentary Travel Insurance Coverage (including COVID-19)
|
25,000 Rewards Points = 10,000 Miles
5 free supplementary cards
No conversion fee for air miles or hotel points (Until 31 May 2024)
Annual fee: S$196.20 (First year free)
|
- Local/PR: S$30,000
- Foreigner/Self-Employed: S$40,000
|
|
Standard Chartered Journey Card |
- S$1 = 2 miles on Foreign Spend
- S$1 = 1.2 miles on Local Spend
- S$1 = 3 miles on Select Local Online Categories like Transportation, Grocery, and Food Delivery*
- 2 Complimentary Priority Pass Airport Lounge Visits per year
- Up to S$500,000 Complimentary Travel Insurance Coverage
|
- Rewards Points never earned from SC Journey Card never expire
- 25,000 Rewards Points = 10,000 KrisFlyer Miles
- *Capped at S$1,000 spend per statement month
- 45% off MSIG TravelEasy Travel Insurance (Single Trip) (Valid till 30 Jun 2024)
- Annual fee: S$196.20 (First year free)
|
- Local/PR: S$30,000
- Foreigner: S$60,000 |
|
KrisFlyer UOB Card |
- S$1 = 3 miles on Everyday Spend (e.g. Dining, Online Food Delivery, Online Shopping, Online Travel, Local Transport)*
- S$1 = 3 miles on Singapore Airlines, Scoot, KrisShop, and Kris+ purchases
- S$1 = 1.2 miles on All Other Spend
- Up to S$500,000 Complimentary Travel Insurance Coverage
- Fast track to KrisFlyer Elite Silver Status
- Other Membership Privileges on Scoot
|
- *Min. S$800 annual spend on Singapore Airlines, Scoot, and KrisShop required
- Earn KrisFlyer Miles directly to KrisFlyer Membership Account
- No cap on miles earned but only credited within 2 months of paying annual fee
- Annual fee: S$196.20 (First year free)
|
- Local/PR: S$30,000
- Foreigner: S$40,000
|
|
AMEX Singapore Airlines KrisFlyer Credit Card |
- S$1 = 1.1 miles on Local Spend - S$1 = 2 miles on Foreign Spend during June and December - S$1 = 2 miles on Singapore Airlines-Related Spend - S$1 = 3.1 miles on Grab Singapore Transactions, capped at S$200 per month -S$1 = 0.5 miles on Singapore Airlines Instalment Plans via PaySmall for eligible purchases - Up to S$350,000 Complimentary Travel Insurance coverage - Exclusive Hertz Gold Plus Rewards Loyalty Programme Perks |
- Earn KrisFlyer Miles directly to KrisFlyer Membership Account
- Annual fee: S$179.85 (First year free)
|
Subject to American Express' approval
|
|
AMEX Singapore Airlines KrisFlyer Credit Card
|
- S$1 = 1.2 miles on Local Spend - S$1 = 2 miles on Foreign Spend during June and December - S$1 = 2 miles on Singapore Airlines-Related Spend - S$1 = 3.2 miles on Grab Singapore Transactions, capped at S$200 per month - Up to S$1 million Complimentary Travel Insurance Coverage - Exclusive Hertz Gold Plus Rewards Loyalty Programme Perks |
- Earn KrisFlyer Miles directly to KrisFlyer Membership Account
- Annual fee: S$343.35 (First year free)
|
Subject to American Express' approval
|
|
HSBC Revolution Card |
- S$1 = 4 miles on Online and Contactless Spend (e.g.Shopping, Groceries, Dining, Food Delivery, Ride-hailing) - S$1 = 0.4 miles on All Other Spend - Up to S$300,000 Complimentary Travel Insurance Coverage |
- Capped at S$1,000 spend / 9,000 Bonus Rewards Points per calendar month
- No annual fee
|
- Local/PR: S$30,000
- Foreigner/Self-employed: S$40,000
|
|
Citi Rewards Card |
- S$1 = 4 miles on Selected Online Transactions (e.g. Shopping, Ride-hailing, Food Delivery, Groceries) and In-Store Shopping - S$1 = 4 miles on All Other Retail Spend - Up to S$1 million Complimentary Travel Insurance Coverage |
- Capped at S$1,000 spend / 9,000 Bonus Rewards Points per statement month
- Annual fee: S$196.20 (First year free)
|
- Local/PR: S$30,000
- Foreigner: S$42,000
|
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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.
![[UPDATE] Comparison: Citi Rewards vs OCBC Rewards vs HSBC Revolution](https://mhgprod.blob.core.windows.net/singsaver/strapi-uploads/medium_15_jan_hsbc_revo_vs_citi_rewards_vs_ocbc_rewards_comparison_blog_hero_updated_9d29a954_d1522556d9.webp)
