No Cap, No Stress: Best Credit Cards for Couples Who Want a Simple Wedding Spending Strategy

No Cap, No Stress: Best Credit Cards for Couples Who Want a Simple Wedding Spending Strategy

One of the biggest frustrations with credit cards in Singapore is the complicated caps and limits on how many miles or how much cashback you can earn. Many cards come with maximum limits or tricky spending requirements that make it hard to get the best rewards. But that’s where the cards we’ve listed below shine. These credit cards offer no cap on their bonus earnings, making them ideal for large wedding expenses where you want to maximise your rewards with minimal effort.

If you're planning a wedding and want to keep things simple while still getting the best rewards, these are the top credit cards that will help you earn miles or cashback without worrying about restrictions.

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We are not earning any commissions or affiliate fees from the recommendations in this article. These are our honest recommendations based on our research. Hence, we are not sharing any sign-up links for these cards.

Best Credit Cards for Wedding Expenses: A Quick Comparison

Below is a table that summarizes the best options for wedding spending. Whether you're after cashback, miles, or both, these cards are simple and offer the best uncapped rewards for your big-ticket purchases.

Credit Card Local Earn Rate Annual Fee
UOB KrisFlyer 3 miles per $1 on dining (see requirements below) $196.20 (waived for the first year)
DBS Vantage 1.5 miles per $1 on all spend $599.50
UOB PRVI Miles 1.4 miles per $1 on all spend $261.60 (waived for the first year)
DBS Altitude 1.3 miles per $1 on all spend $196.20 (waived for the first year)
Citi Prestige 1.3 miles per $1 on all spend $540
UOB Absolute Cashback 1.7% cashback on all spend $196.20 (waived for the first year)
Citi Cash Back+ 1.6% cashback on all spend $196.20 (waived for the first year)
American Express True Cashback 1.5% cashback on all spend $174.40 (waived for the first year)
Standard Chartered Simply Cash 1.5% cashback on all spend $196.20 (waived for the first year)

Details on Each Card: Sign-Up Bonuses and Key Benefits

We’ve also included sign-up bonuses for each card, so if you’re planning to apply for one specifically for your wedding expenses, you can take advantage of the extra miles or cashback that come with your first few transactions. This can help boost your rewards even more without any additional effort!

UOB KrisFlyer

  • Earn Rate: 3 miles per $1 on dining, if the venue codes as a restaurant.
    • Requirement: Spend at least $800 on Singapore Airlines Group transactions within that membership year.
  • Annual Fee: $196.20 (waived for the first year).
  • Sign-Up Bonus: Up to 25,000 KrisFlyer miles.

Planning to have your wedding at a restaurant? Here are 5 Best Chinese Restaurants for Weddings and Top 4 Michelin Restaurants with the Best Food for Your Wedding Venue in Singapore, According to Reviews.

DBS Vantage

  • Earn Rate: 1.5 miles per $1 on all local spend.
  • Annual Fee: $599.50.
  • Sign-Up Bonus: Up to 80,000 miles for new cardholders.

UOB PRVI Miles

  • Earn Rate: 1.4 miles per $1 on all local spend.
  • Annual Fee: $261.60 (waived for the first year).
  • Sign-Up Bonus: Up to 45,200 miles for new-to-UOB cardholders.

DBS Altitude

  • Earn Rate: 1.3 miles per $1 on all local spend.
  • Annual Fee: $196.20 (waived for the first year).
  • Sign-Up Bonus: Up to 25,000 miles for new-to-DBS customers.

Citi Prestige

  • Earn Rate: 1.3 miles per $1 on all local spend.
  • Annual Fee: $540.
  • Sign-Up Bonus: Up to 71,000 miles.

Citi Cash Back+

  • Earn Rate: 1.6% cashback on all spend.
  • Annual Fee: $196.20 (waived for the first year).
  • Sign-Up Bonus: Up to $320 cashback.

UOB Absolute Cashback

  • Earn Rate: 1.7% cashback on all spend.
  • Annual Fee: $196.20 (waived for the first year).
  • Sign-Up Bonus: Up to $50 cashback + gifts.

American Express True Cashback

  • Earn Rate: 1.5% cashback on all spend.
  • Annual Fee: $174.40 (waived for the first year).
  • Sign-Up Bonus: Up to $150 cashback.

Standard Chartered Simply Cash

  • Earn Rate: 1.5% cashback on all spend.
  • Annual Fee: $196.20 (waived for the first year).
  • Sign-Up Bonus: Up to $380 cashback.

Conclusion: Which Card Should You Choose?

The UOB KrisFlyer card is the best option if you can meet the specific requirements of spending at least $800 on Singapore Airlines Group transactions annually, and if your wedding venue codes as a restaurant. The high earn rate of 3 miles per $1 on dining can be incredibly valuable for couples looking to maximise their miles for honeymoon travel.

However, if you don’t meet these requirements, or already own one of the other cards on the list, that card might be your best option. Each of these cards offers uncapped rewards, making them perfect for large wedding expenses, whether you prefer miles or cashback. Keep it simple, pick the card that fits your spending habits, and start earning rewards for your big day!

Advanced Strategy for Maximising Rewards

For couples who are looking to fully maximise their wedding spending and don’t mind splitting up their transactions across multiple cards and instalments, you can achieve even greater rewards by using a more advanced strategy. However, be aware that this approach requires you to invest time and effort into managing the reward caps on each card and ensuring you meet the various requirements. Here's a detailed guide for more advanced strategies: Best Credit Cards for Weddings (The MileLion)

Alternatively, you can use the cards mentioned in this article up to their cap limit, then switch to one of our suggested cards for the remaining balance to keep things simple while still maximising rewards.

Bridely.sg is Singapore’s only wedding review site and the largest wedding venue and vendor directory. You can read reviews written by graduated couples and their guests!

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