{"id":7270,"date":"2025-09-02T21:52:55","date_gmt":"2025-09-02T13:52:55","guid":{"rendered":"https:\/\/www.pzl.sg\/blog\/?p=7270"},"modified":"2026-03-01T14:46:10","modified_gmt":"2026-03-01T06:46:10","slug":"how-to-maximise-credit-card-rewards-singapore","status":"publish","type":"post","link":"https:\/\/www.pzl.sg\/blog\/how-to-maximise-credit-card-rewards-singapore\/","title":{"rendered":"How to Maximise Credit Card Rewards Singapore: 2025 Edition"},"content":{"rendered":"\n

Over the past few years, I have been studying my spending pattern to determine the best credit card to pair with each expenditure. By and large, I tracked all this information with the hope of figuring out how I could maximise the credit card rewards for my expenditures. At this time, I am satisfied with the credit card deck that I have built<\/a> to meet my own spending needs.<\/p>\n\n\n\n

Similarly, if you are building up your credit card deck, then you may have wondered about the best credit card to use to suit your spending needs. Moreover, after owning a credit card, another question is to figure out how to make full use of that card to earn the most reward. If you have ever thought about these questions, then this post contains a detailed breakdown of how I maximise the credit card rewards in every spend category.<\/p>\n\n\n\n

Table of Contents:<\/h3>\n\n\n\n
    \n
  1. Credit Card Rewards Explained<\/a><\/li>\n\n\n\n
  2. My Approach<\/a><\/li>\n\n\n\n
  3. Food<\/a><\/li>\n\n\n\n
  4. Government Services<\/a><\/li>\n\n\n\n
  5. Grocery<\/a><\/li>\n\n\n\n
  6. Hospital<\/a><\/li>\n\n\n\n
  7. Insurance<\/a><\/li>\n\n\n\n
  8. Income Tax<\/a><\/li>\n\n\n\n
  9. Internet Service<\/a><\/li>\n\n\n\n
  10. Mobile Service<\/a><\/li>\n\n\n\n
  11. Mortgage<\/a><\/li>\n\n\n\n
  12. Online Shopping<\/a><\/li>\n\n\n\n
  13. Subscription<\/a><\/li>\n\n\n\n
  14. Transport<\/a><\/li>\n\n\n\n
  15. Travel<\/a><\/li>\n\n\n\n
  16. Utility<\/a><\/li>\n\n\n\n
  17. Contactless Spending (General)<\/a><\/li>\n\n\n\n
  18. Miscellaneous<\/a><\/li>\n\n\n\n
  19. Tips and Tricks<\/a><\/li>\n\n\n\n
  20. Sign Up Promotion<\/a><\/li>\n<\/ol>\n\n\n\n

    Disclosure: This post on Credit Card contains referral links. Hence, I may receive some money for coffee when you use my referral link for the credit card application. But no, there is no additional cost to you. In fact, you will receive some cash or cash equivalent incentives too! In any case, I will only recommend products or services that meet my needs and expectations.<\/em><\/p>\n\n\n\n

    One Minute Summary:<\/h2>\n\n\n\n