Built for Singapore credit card rewardsOptimize Your Wallet.
Maximize Your Rewards.
MileDeck tells you which card to use for every purchase, miles or cashback, based on how you actually spend. It keeps an eye on bonus caps so you know when to switch.
The right card for every purchase
How to maximize your credit card rewards
Set Up Your Wallet
Add your existing miles and cashback cards, or let the optimizer suggest a set of cards that fits your income.
Get Your Strategy
Know exactly which card to use for dining, travel, groceries, and online shopping — optimized for your reward preference.
Track & Optimize
Monitor bonus caps. When one card fills up, MileDeck routes you to the next best one.
The smartest way to earn rewards in Singapore
Engineered to squeeze every mile and dollar from your spending.
Miles & Cashback
Compare miles and cashback cards side-by-side. Choose miles only, cashback only, or let MileDeck find the best mix of both.
Your Preferred Program
Optimize for KrisFlyer, Asia Miles, Avios, and more. Transfer rates are automatically adjusted so you see the true earning rate for your program.
Built for Singapore
Covers cards from UOB, DBS, Citi, OCBC, HSBC, AMEX and more, including merchant exclusions, bonus caps and the rest of the fine print.
Card Optimizer
Answer a few questions about your income, rewards and fees. MileDeck tests every card combination and shows you the one that earns the most.
Smart Cap Tracking
Many cards cap bonus rewards after a spending limit. MileDeck tracks that for you and tells you when to switch cards.
Know Your Bottom Line
See how much your cards are actually worth each year — rewards earned minus annual fees — so you know which cards are worth keeping.
Ready to earn more rewards?
Download MileDeck and start maximizing your miles and cashback today.
Frequently asked questions
Which credit card earns the most miles in Singapore?
It depends on your spending categories. For dining, cards like UOB Lady's Solitaire offer up to 4.0 miles per dollar. For online shopping, DBS Woman's World gives 4.0 mpd. MileDeck compares all Singapore miles and cashback cards across every category and shows you the best one for each.
How does MileDeck optimize my credit card portfolio?
A guided wizard asks about your income, reward preference (miles, cashback, or both), fee tolerance and preferred banks. MileDeck then works out the best combination of cards for you, and you can fine-tune the result before applying it to your wallet.
Do I need to enter my spending to use MileDeck?
No. Just add the credit cards you already own and MileDeck instantly shows you which card to use for each spending category — dining, groceries, online shopping, transport, and more. Enter your monthly budget and you'll also see how much your rewards are worth each year. Detailed spending data is only needed for the optimizer.
Does MileDeck support cashback cards?
Yes. MileDeck supports both miles and cashback credit cards. Choose your reward preference — miles only, cashback only, or best of both — and the optimizer will recommend the best mix. Cashback and miles are compared side-by-side using a configurable mile valuation.
Which Singapore bank cards does MileDeck support?
MileDeck covers miles and cashback credit cards from all major Singapore banks including UOB, DBS/POSB, Citi, OCBC, HSBC, Standard Chartered, AMEX, Bank of China, Maybank, and Trust. The database includes hidden bonus caps, selectable bonus categories, and facility payment rates.
Is MileDeck free? Is my data safe?
MileDeck is free to use. All calculations run locally on your device — no servers, no accounts, no data collection. Your financial information never leaves your phone.