We strip out affiliate promos and calculate actual cashback, miles, and net-yield by spend pattern — so you know exactly what each card is worth to you.
Cashback rate, miles earn, FX markup, annual fee trade-off, sign-up bonus conditions — we put them all on the same bench so you can compare without the marketing noise.
Not all 6% cashback cards are equal. We calculate the net rate after caps and exclusions.
Earn rates, transfer partners, and the real cost per mile — KrisFlyer, Asia Miles, and more.
Welcome offers ranked by net value after minimum spend requirements.
Cards analysed
Best effective cashback
0% periods, processing fees, and the true cost of moving debt between banks.
Foreign transaction markups, annual fee math, and hidden charges exposed.
How to combine 2–3 cards to maximise cashback and miles across groceries, dining, travel, and bills — without paying more in annual fees than you earn back.
Which cards win on supermarket and online grocery spend in Singapore.
Best cards for restaurants, food delivery, and entertainment spend.
general A report says DeepSeek has engaged underwriters, including Citic Securities, for a planned initial public offering. Here is what the report states.
general Meta has announced an AI personal assistant that connects with WhatsApp and Instagram, offering users a new way to interact within these apps.
OpenAI has launched GPT-6 Astra, bringing upgraded AI capabilities and improved performance for users.
general Learn about the official Credit Cards guide from the Association of Banks in Singapore, available in English and other languages.
general China's property downturn has deepened, and bank lending growth has slowed amid weak private credit demand, according to the World Bank's China Economic Update.
general Singapore's auction clearance rates remain subdued as unsold listings persist, reflecting cautious buyer sentiment and a slow market.
Tell us your monthly spend pattern and we'll show you the top 3 cards by net yield — no affiliate links, just math.
How our bench works