Compare the Best Air Miles Credit Cards in Singapore 2018

Updated September 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!

Popular Air Miles Credit Cards

American Express Singapore Airlines KrisFlyer Ascend Credit Card
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 43,000 Bonus KrisFlyer Miles

Air Miles Features

  • 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 13,000 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 110 Hilton properties in Asia Pacific
  • Up to $1 million travel insurance coverage

Annual Interest Rate and Fees

Annual Interest Rate25.90%
Principle Annual Fee$337
Supplementary Annual Fee80.25
Fee WaiverNot Available
Minimum Monthly Repayment3% or S$50, whichever is higher
Interest Free Period22 days

Minimum Income Requirements

Singaporean$50,000
Foreigner$60,000

Other

Card AssociationAmerican Express
Wireless PaymentApple Pay, Samsung Pay, Google Pay
Standard Chartered Visa Infinite Credit Card
Excellent
Standard Chartered Visa Infinite Credit Card
Excellent

S$1 = 1.4 Miles

Local Spend

S$1 = 3 Miles

Overseas Spend

35,000 Miles

Welcome Gift

  • 35k Miles OR 15k Miles + 28" Samsonite Lite-Shock Spinner (worth S$950)
  • Get 15% cashback with Grab

Air Miles Features

  • S$1 = 1.4 miles (Local)
  • S$1 = 3 miles (Overseas)
  • Six complimentary visits to the airport lounges under the Priority Pass Lounge program
  • Complimentary Travel Accident Insurance coverage of up to S$1,000,000 coverage, travel assistance and loss of baggage covered
  • Overseas spends promo - Minimum spend of S$2,000 in a statement cycle to get 3 miles per S$1 spent. All spends below S$2,000 will earn 2.5 points or 1 mile for every S$1 spent

Annual Interest Rate and Fees

Annual Interest Rate24.46%
Principle Annual Fee$589
Supplementary Annual Fee0.0
Fee WaiverNot Available
Minimum Monthly Repayment1% of S$50, whichever is higher
Interest Free Period22 days

Minimum Income Requirements

Singaporean$150,000
Foreigner$150,000

Other

Card AssociationVisa
Wireless PaymentVisa payWave
UOB PRVI Miles Card
Excellent
UOB PRVI Miles Card
Excellent

S$1 = 1.4 Miles

Local Spend

S$1 = 2.4 Miles

Overseas Spend

S$1 = 6 Miles

Selected Online Hotel and Flight bookings

  • Receive up to 10,000 Welcome Miles (Valid till 31 Oct 2018)

Air Miles Features

  • S$1 = 1.4 miles (Local spend); S$1 = 2.4 miles (Overseas spend)
  • S$1 = 6 miles for spends on major airlines and hotels booked through Expedia, UOB Travel, and Agoda
  • 10k Bonus Welcome Miles valid til 31 Oct 2018, T&Cs apply
  • No minimum spend and no cap on earned miles
  • 20,000 loyalty miles every year with min. spend of S$50,000 in a year; Up to 8 complimentary airport transfers to Changi Airport in a year (Exclusively for UOB PRVI Miles American Express Card)
  • Complimentary travel insurance coverage of up to S$1,000,000. T&Cs apply.

Annual Interest Rate and Fees

Annual Interest Rate25.90%
Principle Annual Fee$257
Supplementary Annual Fee128.4
Fee Waiver1 year fee waiver, free first 2 supplementary cards
Minimum Monthly Repayment3% or S$50, whichever is higher
Interest Free Period21 days

Minimum Income Requirements

Singaporean$30,000
Foreigner$40,000

Other

Card AssociationMasterCard, Visa, American Express
Wireless PaymentMasterCard PayPass, Visa payWave, Apple Pay, Samsung Pay, Android Pay, Mighty Pay
BOC Elite Miles World Mastercard®
Excellent
BOC Elite Miles World Mastercard®
Excellent

S$1 = 2 Miles

Local Spend

S$1 = 5 Miles

Overseas Spend

1 Point = 0.33 Miles

Rewards to Miles Conversion

  • Earn up to 5 Miles per $1 spent
  • Win return ticket to Bangkok with Singapore Airlines

Air Miles Features

  • S$1 = 2 Miles (Local spend)
  • S$1 = 5 Miles (Overseas spend)
  • No minimum spend and no cap on earned miles
  • 4X Complimentary access to Plaza Premium lounges worldwide in a year. Valid for applicants who have applied for the card between 23 July till 30 June 2019

Annual Interest Rate and Fees

Annual Interest Rate28.88%
Principle Annual Fee$190
Supplementary Annual Fee$95
Fee WaiverAvailable
Minimum Monthly Repayment3% or S$50, whichever is higher
Interest Free Period23 days

Minimum Income Requirements

Singaporean$30,000
Foreigner$60,000

Other

Card AssociationMasterCard
Wireless PaymentMasterCard PayPass
HSBC Visa Infinite Credit Card
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 Interest Rate and Fees

Annual Interest Rate25.90%
Principle Annual Fee$650
Supplementary Annual Fee0.0
Fee WaiverNot Available
Minimum Monthly Repayment3% or S$50, whichever is higher
Interest Free Period20 days

Minimum Income Requirements

Singaporean$120,000
Foreigner$120,000

Other

Card AssociationVisa
Wireless PaymentVisa payWave, Apple Pay
DBS Altitude Visa Signature Card
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 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 Interest Rate and Fees

Annual Interest Rate25.90%
Principle Annual Fee$193
Supplementary Annual Fee96.3
Fee WaiverAvailable
Minimum Monthly Repayment3% or S$50, whichever is higher
Interest Free Period20 days

Minimum Income Requirements

Singaporean$30,000
Foreigner$45,000

Other

Card AssociationVisa, American Express
Wireless PaymentVisa payWave, Apple Pay, Samsung Pay, Google Pay
All results loaded

Best Air Miles Credit Cards 2018 - Summary

Best ForCredit CardAnnual Fee Waiver
Miles don't expireCiti PremierMiles Visa Card1st year fee waiver (U.P. S192.60)
KrisFlyer MilesAmerican Express Singapore Airlines KrisFlyer Credit Card1st year fee waiver (U.P. S$176.55)
Highest $-to-mile earn rate/Highest Mile per dollarUOB PRVI Miles Card1st year fee waiver (U.P. S$257)
Bonus categoriesCiti PremierMiles Visa Card1st year fee waiver (U.P. S192.60)
Sign up promotionCiti PremierMiles Visa Card1st year fee waiver (U.P. S192.60)
Free miles when you pay annual feesDBS Altitude Visa Signature Card1st year fee waiver (U.P. S$193)
Lounge passStandard Chartered Visa Infinite Credit Card$588.50

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.

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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.