Compare the Best Air Miles Credit Cards in Singapore 2018

Updated May 2018

If you love to travel, a good air miles credit card is a must-have. Compare and apply to earn credit card miles to redeem discounts, upgrades or even your entire airfare!

Other Air Miles Cards
Listing image amex krisflyerbrown cmyk 2x 480
Excellent
American Express Singapore Airlines KrisFlyer Ascend Credit Card
Excellent

S$1 = 1.2 Miles

Local Spend

S$1 = 2 Miles

Overseas Spend

S$1 = 3.2 Miles

Grab and Uber rides

  • Get up to 36,000 Bonus KrisFlyer Miles

Air Miles Features

  • Apply through MoneySmart from 16 May - 31 May 2018 to get S$100 worth of Grab OR CapitaLand Vouchers. Application must be approved by 14 Jun 2018. Submit your (i)Contact Details and (ii)14-digit Reference Number on the Thank You Page upon completion at this link before 19 April 2018. T&Cs
  • Earn 5,000 KrisFlyer miles upon first spend with your new card
  • Earn an additional 13,000 KrisFlyer miles with your first S$5,000 spend in the first 3 months of Card approval
  • Earn another 6,000 KrisFlyer miles with your second S$5,000 spend in the first 3 months of Card approval
  • 1.2 KrisFlyer Miles = S$1 on all eligible card spend
  • 2 KrisFlyer Miles = S$1 in foreign currency spent overseas on eligible purchases in June & Dec
  • 3.2 KrisFlyer Miles = S$1 for Grab and Uber rides, capped at S$200 per month
  • Spend above S$15,000 on eligible purchases on singaporeair.com within first 12 months of Card approval and get upgraded to KrisFlyer Elite Gold Membership
  • Four complimentary lounge access to participating SATS Premier and Plaza Premium Lounge each year
  • Complimentary night's stay each year at one of over 90 participating Millennium Hotels and Resorts properties worldwide
  • Up to $1 million travel insurance coverage

Annual Rates

Principle Annual Fee
$337
Supplementary Annual Fee
80.25
Fee Waiver
First year fee waiver for supplementary card
Annual Interest Rate
25.90%

Eligibility

Singaporean Minimum Income
$50,000
Non-Singaporean Minimum Income
$60,000
Listing image hsbc infinite 2x
Excellent
HSBC Visa Infinite Credit Card
Excellent

S$1 = Up to 1.25 Miles

Local Spend

S$1 = Up to 2.25 Miles

Overseas Spend

35,000 Miles

Welcome Gift

Air Miles Features

  • $1 = Up to 1.25 air miles (Local)
  • $1 = Up to 2.25 air miles (Overseas)
  • Priority Pass™ Membership card will be automatically issued to the primary Cardholder and the supplementary Cardholder(s) - Unlimited access to over 700 VIP airport lounges worldwide
  • Access to HSBC’s Infinite Travel & Lifestyle Concierge service for personalised assistance, 24/7
  • Automatic travel insurance coverage of up to US$2,000,000 (annual value worth S$988)
  • Complimentary limousine transfer and expedited immigration clearance at key airports in Asia

Annual Rates

Principle Annual Fee
$650
Supplementary Annual Fee
0.0
Fee Waiver
Annual programme fee applies
Annual Interest Rate
25.90%

Eligibility

Singaporean Minimum Income
$120,000
Non-Singaporean Minimum Income
$120,000
Listing maybank horizon signature optimised
Excellent
Maybank Horizon Visa Signature
Excellent

S$1 = 3.2 Miles

on Dining, Petrol, Taxi and Hotel Bookings at Agoda

S$1 = 2 Miles

on Air Tickets, Travel Packages and Foreign Currency Spend

1 Point = 0.5 miles

Rewards to Miles Conversion for Selected Airline Partners

  • Get a Samsonite Orfeo 69cm Spinner (worth S$420)

Air Miles Features

  • Earn 3.2 air miles (8X TREATS Points) for every S$1 spent on dining, petrol, taxi fares and hotel bookings at Agoda.com/horizon
  • Earn 2 air miles (5X TREATS Points) for every S$1 spent on air tickets, travel packages and foreign currency transactions
  • Minimum spend: S$300/month
  • Capped at 30,000 Bonus TREATS Points per month
  • Earn 0.4 air miles (1X TREAT Point) with no minimum spend amount
  • Complimentary lounge access with minimum spend of S$400
  • Complimentary Travel Insurance up to S$1,000,000

Annual Rates

Principle Annual Fee
$180
Supplementary Annual Fee
Complimentary
Fee Waiver
Waived with min. spend of S$18,000 p.a.
Annual Interest Rate
25.90%

Eligibility

Singaporean Minimum Income
$50,000
Non-Singaporean Minimum Income
$60,000
Listing image altitude 2x
Very Good
DBS Altitude Visa Signature Card
Very Good

S$1 = 1.2 Miles

Local Spend

S$1 = 2 Miles

Overseas Spend

S$1 = 3 Miles

Selected Online Hotel and Flight bookings

  • Win an all-expense paid trip for two to NYC
  • Win a pair of SQ Suites return tickets to one of these 5 locations

Air Miles Features

  • S$1 = 1.2 miles (Local spend)
  • S$1 = 2 miles (Overseas spend)
  • S$1 = 3 miles (Online Flight & Hotel transactions)
  • 6 miles/S$1 spend at Expedia; 10 miles/S$1 spend at Kaligo
  • Get 10,000 Bonus Miles when you renew your annual membership
  • Enjoy 2 Complimentary Global Airport Lounge Access visits and get up to S$1 million travel accident insurance coverage for you and your family members

Annual Rates

Principle Annual Fee
$193
Supplementary Annual Fee
96.3
Fee Waiver
1 year fee waiver
Annual Interest Rate
25.90%

Eligibility

Singaporean Minimum Income
$30,000
Non-Singaporean Minimum Income
$45,000
All results loaded

What is an Air Miles Credit Card?

Miles credit cards, sometimes known as air miles credit cards or frequent flyer credit cards, allow you to accumulate frequent flyer miles with purchases made on your cards. You can then put these towards your next holiday’s airfare.

It’s no surprise that miles credit cards are one of the most popular types of cards. Who wouldn’t want to earn flights to Hokkaido while buying rice and diapers at NTUC? Of course, air miles do take significant spending to accumulate, so don’t expect to get round-the-world tickets with a few miserly transactions.

Miles Credit Cards 101

Competition is stiff in the area of miles credit cards, and it can be mind-boggling to sift through them all. Since miles credit cards don’t always offer waivers off their annual fees, it is worth knowing what you’re signing up for.

Earn Rate

Firstly, check that you are getting a good dollar-to-mile conversion rate on your miles credit card. Usually, banks offer a lower rate on local spending and a higher one for overseas or foreign currency spending, so bear that in mind. Some cards offer attractive bonus rates with partner merchants so you can rack up miles more quickly.

Miles/points Programmes

While some airline-specific cards will credit your earned miles directly into an established frequent flyer programme, certain miles credit cards award points in other types of “currency” such as DBS points or Citi Miles. Converting these points into an actual air ticket will take a longer time and may cost more.

Limitations

Always, always check the T&Cs of any frequent flyer programme for any unsavoury details the credit card issuer would rather you not know. These include when your miles will expire and whether there is a cap on the miles you can earn.

More From The MoneySmart Blog

Check out our blog for more personal finance tips and insights.

Frequently Asked Questions

Should I get a miles credit card?

You should definitely get one if you travel a lot, whether for business or pleasure, as such credit cards are typically set up to reward frequent flyers, making it easy to rack up miles or points with overseas spending and (in some cases) spending with travel-related merchants and on airlines. However, note that air miles credit cards usually have higher income requirements, so it might not be a suitable entry-level card.

How do I earn a free air ticket as quickly as possible?

Base earn rates are typically rather low, so it does take a while to earn sufficient miles for a trip if you use it for small transactions like grocery shopping. For local spending, a large purchase would get you a lot closer to your next getaway. You can also rack up the miles a lot more quickly if you use your credit card while travelling, since many cards offer better earn rates for overseas transactions. Also, make full use of the bonus miles offered in tandem with partner merchants.

What’s the difference between KrisFlyer Miles, Asia Miles, etc.?

The confusing thing about miles credit cards is that they use different programmes to let you accumulate points. There is no one universal air miles account, so banks often use their own proprietary point systems (like Citi Miles), which you will need to familiarize yourself with. Certain cards credit miles directly into an established frequent flyer programme like Singapore Airlines’ KrisFlyer, which eliminates the hassle of conversion.