Jolyn's Setup
The credit card setup I actually use to maximize my spending. [Updated October 2026]
Primary Cards
UOB Lady's / Solitaire Card
Choose 1 rewards category out of 7 for the 4mpd earn rate and it can't be changed until next quarter. Solitaire members can choose 2.
The Math
4mpd per S$5 blocks in chosen category.
Cap: Bonus up to ~S$1,000 spend per month for Lady, $750 per category for Solitaire.
Sign Up Offer
SingSaver Exclusive Reward Options:
• S$80 Cash via PayNow
• S$85 Grab Voucher
Jolyn's Notes
Good if you are using the UOB One Bank account. Otherwise no.
Maybank XL Rewards Card
- 4 mpd on all FCY spend, dining, shopping, travel and entertainment - Still earns points for education, hospitals and utility bills - Amaze-compatible - TREATS Points expire after 12-15 months - S$500 minimum spend required for bonus miles Sadly, no Google Pay support and clunky app ecosystem
The Math
4mpd on all FCY spend, dining, shopping, travel and entertainment
0.4 mpd on local spend
Cap: $1000 per calendar month
Sign Up Offer
S$60 cashback
Jolyn's Notes
TREATS Points earned on the XL Rewards Card expire one year from the quarterly period in which they were earned, which means a validity of 12-15 months. Unless you also hold a Maybank Visa Infinite or Maybank World Mastercard which comes with a Rewards Infinite membership which makes your TREATS Points non-expiring.
Secondary Cards
UOB Preferred Platinum Visa Card
Good for online & mobile contactless but take note of the monthly cap!
The Math
An essential card thanks to 4 mpd on all mobile contactless spend with no minimum spend ($5 blocks)
Cap: S$600 on mobile contactless and online transactions respectively
Jolyn's Notes
Do not pay with the physical card.
Take note of the $600 cap!
Fallback Cards
UOB Absolute Cashback Card
Flat cashback of 1.7% on all eligible spending, simple.
The Math
1.7% cashback on eligible spending
0.3% cashback on grab wallet top-ups
Cap: No cap
Jolyn's Notes
This is the only card that offers 0.3% cashback for topping up Grab wallet, which I use for quite a bit of PayNow transactions.
Maybank Visa Infinite
- 4 complimentary lounge access (principal cardholders only) - Principal Maybank Visa Infinite Cardholders who spend at least S$3,000 in a given calendar month will be entitled to either: 1 complimentary one-way airport limo transfer, or 1 complimentary day pass to gym and pool at PARKROYAL COLLECTION Marina Bay - A maximum of eight limo rides or six day passes can be booked per calendar year. - Complimentary green fees if spent 2k in previous month - GHA Discovery Titanium Status, Avis President's Club status - Maybank Visa Infinite cardholders are automatically enrolled into the Rewards Infinite programme. This means their TREATS Points never expire.
The Math
1.2 mpd on local spend, but include education, healthcare, and up to 3k on insurance premiums per calendar year
Cap: No cap
Jolyn's Notes
Get this card for the first year if you have to pay for hospitals, education, insurance. After the first year, change the card if they are not able to waive the annual fee for you.
Someone managed to waive off his annual fee for my 2nd year in exchange for the 4x lounge access.
Mari Credit Card
Effective March 1, 2026, it offers 1.5% cashback on the first S$1,500 of foreign currency spending per month, with zero foreign currency (FX) fees. MariBank still offers a competitive edge on Shopee with 1.5% to 5% rebates (often in Shopee Coins) depending on the ongoing promotion.
The Math
1.5% on everything and no other charges
Cap: No cap on earning
Sign Up Offer
Referral Code: 8LQV74RD
Jolyn's Notes
Use this for foreign spending up to $1.5K
