If you tend to spend between S$1,000 to S$2,000 each month in foreign currency (do note this includes foreign currencies at merchants with payment gateway in Singapore), you can easily earn up to 4 miles per S$1 (or 5% rebate) each month. The UOB Visa Signature is not a card that is often being mentioned but yet it is one of the rare few cards in the market that gives you 4 miles per S$1 (even online transactions!) which is issued in UOB UNI$ (similar to other UOB credit cards) that you can redeem for miles or cash back (effectively 5%).