October 2026. The top pick in every category, ranked by what you keep after fees.
Best overall: HSBC Revolution
About ~$990 a year after fees and caps, on a typical month of spending.
Best for online shopping
HSBC Revolution: ~$1,400 a year. Annual fee: None.
Best for dining and food delivery
HSBC Revolution: ~$1,600 a year. Annual fee: None.
Best for fuel
Maybank Family & Friends Card: ~$1,200 a year. Annual fee: $196.20/yr.
Best for travel and miles
DBS Altitude Visa: ~$500 a year. Annual fee: $196.20/yr.
Net value per year: rewards minus fees, after monthly caps. No sign-up bonuses, no sponsored ranking.
All 7 lists, the assumptions, and what to check before you apply.
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