Credit Card Manufactured Spending in Singapore

The concept of manufactured spend, or churning, using credit cards is quite appealing to me. Simply put, you make a series of payments with your credit cards, then via a sometimes convoluted way, parlay that sum of money back to a bank account or dollar bills, which you can use to pay off the card. Rinse and repeat, and you get a never ending stream of cashback and miles.

When I was in the USA, it was pretty trivial to rack up miles following methods in FlyerTalk, my favourite being the Target Prepaid REDcard. It got me wondering though; what about Singapore? So, for the past year or so, I have been researching and testing ways to do manufactured spending on Singapore credit cards.

Here are the ways:


This was one of the easier ways to rack up points on my miles cards. I go here and purchase site credits called Qmoney. $1 = 1 Qmoney. You can buy 500 Qmoney in a single transaction. When you go to the checkout page, you will see the checkboxes for the Visa/Mastercard option grayed out. All you have to do is to take out the ‘disabled’ parameter when you ‘Inspect Element’ in Chrome. Do a quick web search to find out how to do this.¬†After the transaction flow, it will take 1 or 2 minutes for the Qmoney to appear in your account. You can withdraw the 500 Qmoney over here. Of course, you might want to buy some stuff or withdraw different amounts so as not to arouse suspicion at having withdraw $500 again and again. This withdrawal is a GIRO transaction to your Singapore bank account, which is awesome since you can just use it to pay off your credit card balance. Overall, a nice method I have been using to get around 80k miles every month. I also use this to meet any minimum spending requirements on any new cards.



This is a nice method though it is risky and YMMV. However, it is a pretty specific method hence I am not publicly disclosing it lest this method gets shut down. You cannot churn huge volumes with this one – it is probably good for 20-30k miles a month.


In sum, it really isn’t as easy to manufacture spending in Singapore, if you are looking to not pay anything at all. However, if you are willing to pay 1 or 2 percent in exchange for a bunch of miles, then there are actually plenty ways to churn it.

5 replies on “Credit Card Manufactured Spending in Singapore”

They changed some of the parameters. Check the hidden form input fields to see what I mean. I will leave out further details since they are catching on.

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