Compare the Best Air Miles Credit Cards in Singapore 2019

Updated November 2019

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

DBS Altitude Visa Signature Card

S$1 = 1.2 Miles

Local Spend

S$1 = 2 Miles

Overseas Spend

S$1 = 4 Miles

Bus, MRT and Taxi rides

Online Promotion: Get up to 38,000 Miles Valid till 31 Mar 2020.

S$1 = 1.2 Miles

Local Spend

S$1 = 2 Miles

Overseas Spend

S$1 = 4 Miles

Bus, MRT and Taxi rides

Online Promotion: Get up to 38,000 Miles Valid till 31 Mar 2020.

Air Miles Features

  • S$1 = 1.2 miles (Local spend)
  • S$1 = 2 miles (Overseas spend)
  • S$1 = 2.4 miles (refuel at Esso)
  • S$1 = 3 miles (Online Flight & Hotel transactions)
  • S$1 = 4 miles (Singapore Airline tickets booked through DBS Travel MarketPlace
  • S$1 = 4 miles (daily rides: Comfort/CityCab Taxi, Grab (not including GrabPay), GOJEK, Bus and MRT rides using SimplyGo)
  • S$1 = 6 miles (flight & hotel transactions at Expedia)
  • S$1 = 10 miles (hotel transactions 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

Annual Interest Rate and Fees

Annual Interest Rate26.80%
Principle Annual Fee$193
Supplementary Annual FeeS$96.30
Fee WaiverAvailable
Minimum Monthly Repayment3.00% 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 Contactless, Apple Pay, Samsung Pay, Google Pay
Standard Chartered X Credit Card

S$1 = 1.2 Miles

on Local Spend

S$1 = 2 Miles

on Overseas Spend

60,000 Miles

Promotional Gift

Online Promotion: Get 60,000 Welcome Air MilesValid till 30 Nov 2019.
  • Bonus of up to 300,000 extra air miles with Priority Banking sign-up

S$1 = 1.2 Miles

on Local Spend

S$1 = 2 Miles

on Overseas Spend

60,000 Miles

Promotional Gift

Online Promotion: Get 60,000 Welcome Air MilesValid till 30 Nov 2019.

Air Miles Features

  • S$1 = 1.2 miles for local spending
  • S$1 = 2 miles for overseas spending
  • 2 Complementary Access to Priority Pass™ Lounges at over 1300 airport lounges per year
  • No minimum spend and no cap

Annual Interest Rate and Fees

Annual Interest Rate26.90%
Principle Annual Fee$696
Supplementary Annual Fee$107
Fee WaiverNot Available
Minimum Monthly Repayment1% or S$50, whichever is higher
Interest Free Period22 days

Minimum Income Requirements

Singaporean$80,000
Foreigner$80,000

Other

Card AssociationVisa
Wireless PaymentVisa payWave, SC EasyBill
OCBC 90°N Card

S$1 = 8 Miles

on selected Travel and Hotel Partners

S$1 = 4 Miles

on Overseas spend

S$1 = 1.2 Miles

on Local spend

Online Promotion: Get S$50 Cash Rebate! Applies to New-To-Bank customers.Valid till 30 Nov 2019.

S$1 = 8 Miles

on selected Travel and Hotel Partners

S$1 = 4 Miles

on Overseas spend

S$1 = 1.2 Miles

on Local spend

Online Promotion: Get S$50 Cash Rebate! Applies to New-To-Bank customers.Valid till 30 Nov 2019.

Air Miles Features

  • 8 miles for every S$1 spent on selected travel and hotel partners: Agoda, Airbnb, Expedia, Millennium Hotels & Resorts Group of Hotels, Mr & Mrs Smith
  • Only applicable for bookings made through the link of the travel and hotel partners on ocbc.com/personal-banking/cards/90degrees-n-card.html
  • 4 miles for every S$1 spent on selected airlines, entertainment and shoppings: AirAsia, DFS Singapore, Jetstar Asia, SilkAir, Singapore Airlines, Scoot, Netflix, Spotify, The Shilla Duty Free at Changi Airport
  • 4 miles for every S$1 on overseas spending
  • 1.2 miles for every S$1 on local spending

Annual Interest Rate and Fees

Annual Interest Rate26.88%
Principle Annual Fee$193
Supplementary Annual FeeS$96.30
Fee WaiverAvailable
Minimum Monthly Repayment3% or S$50, whichever is higher
Interest Free Period23 days

Minimum Income Requirements

Singaporean$30,000
Foreigner$45,000

Other

Card AssociationMastercard
Wireless PaymentApple Pay, Samsung Pay, Google Pay
Standard Chartered Visa Infinite Credit Card

S$1 = 1.4 Miles

Local Spend

S$1 = 3 Miles

Overseas Spend

35,000 Miles

Welcome Gift

S$1 = 1.4 Miles

Local Spend

S$1 = 3 Miles

Overseas Spend

35,000 Miles

Welcome Gift

Air Miles Features

  • Get 35,000 Miles when you apply for SCB Visa Infinite Credit Card via MoneySmart
  • 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 Rate26.90%
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
KrisFlyer UOB Credit Card

S$1 = 3 Miles

on Singapore Airlines, SilkAir, Scoot and KrisShop

S$1 = 3 Miles

on dining, food delivery, online shopping and travel, and transport spend

S$1 = 1.2 Miles

on all other spend

S$1 = 3 Miles

on Singapore Airlines, SilkAir, Scoot and KrisShop

S$1 = 3 Miles

on dining, food delivery, online shopping and travel, and transport spend

S$1 = 1.2 Miles

on all other spend

Air Miles Features

  • $1 = 3 KrisFlyer Miles on Dining, Food Delivery, Online Shopping and Travel, and Transport spend with a min sum of S$500 annual spend on Singapore Airlines Group
  • $1 = 3 KrisFlyer Miles on Singapore Airlines, SilkAir, Scoot and KrisShop purchases
  • $1 = 1.2 KrisFlyer Miles on all other spend
  • 10,000 KrisFlyer Miles Renewal Fee Bonus

Annual Interest Rate and Fees

Annual Interest Rate25.90%
Principle Annual Fee$193
Supplementary Annual Fee96.30
Fee WaiverAvailable
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
Wireless PaymentMastercard Contactless, UOB Mighty Pay, Apple Pay, Samsung Pay
Maybank Horizon Visa Signature

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

Online Promotion: Get an American Tourister Linex 66/24 TSA Luggage (worth S$260)!Valid till 30 Nov 2019.

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

Online Promotion: Get an American Tourister Linex 66/24 TSA Luggage (worth S$260)!Valid till 30 Nov 2019.

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$1,000 in a single transaction on a retail purchase
  • Complimentary Travel Insurance up to S$1,000,000

Annual Interest Rate and Fees

Annual Interest Rate25.90%
Principle Annual Fee$180
Supplementary Annual FeeComplimentary
Fee WaiverAvailable
Minimum Monthly Repayment3% or S$20, whichever is higher
Interest Free Period20 days

Minimum Income Requirements

Singaporean$30,000
Foreigner$60,000

Other

Card AssociationVisa
Wireless PaymentVisa payWave, Samsung Pay
BOC Elite Miles World Mastercard®

S$1 = 1.5 Miles

Local Spend

S$1 = 3 Miles

Overseas Spend

1 Point = 0.33 Miles

Rewards to Miles Conversion

S$1 = 1.5 Miles

Local Spend

S$1 = 3 Miles

Overseas Spend

1 Point = 0.33 Miles

Rewards to Miles Conversion

Air Miles Features

  • S$1 = 1.5 Miles (Local spend)
  • S$1 = 3 Miles (Overseas spend)
  • No minimum spend and no cap on earned miles
  • During application, please input "MS" under Promo code in your online application form

Annual Interest Rate and Fees

Annual Interest Rate28.88%
Principle Annual Fee$203
Supplementary Annual FeeS$101.65
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
American Express The Platinum Card®

1 Point = 0.625 Miles

Rewards to Miles Conversion for Singapore Airlines and more

Complimentary Lounge Access

at Priority Pass, Centurion Lounge, and more

No Expiry Date

on Membership Rewards Points

1 Point = 0.625 Miles

Rewards to Miles Conversion for Singapore Airlines and more

Complimentary Lounge Access

at Priority Pass, Centurion Lounge, and more

No Expiry Date

on Membership Rewards Points

Air Miles Features

  • Receive S$800 Travel Credits annually (S$400 Air Travel Credit + S$400 Lodging Credit) by booking through The Platinum Concierge
  • Complimentary access for you, a supplementary cardholder and two guests to 1,200 Lounges such as The Centurion Lounge, Priority Pass, International American Express Lounges
  • All Membership Rewards points never expire
  • Earn 1.95 miles per S$1 (5 Membership Rewards points = S$1.60) spent directly with Singapore Airlines, SilkAir or Scoot

Annual Interest Rate and Fees

Annual Interest RateN/A
Principle Annual Fee$1,712
Supplementary Annual Fee$160.50 (First 2 Supplementary Cards fee permanently waived)
Fee WaiverNot Available
Minimum Monthly RepaymentN/A
Interest Free PeriodN/A

Minimum Income Requirements

Singaporean$200,000
Foreigner$200,000

Other

Card AssociationAmerican Express
Wireless PaymentN/A
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Best Miles Credit Cards 2019

Best Credit Cards for Everyday Use

In order to maximize your credit card rewards, it is often a good choice to combine multiple credit cards each specializing in a particular spending type or card feature that best suits your lifestyle. Avoid paring Miles credit cards with Cashback credit cards since these reward types are incompatible. Points credit cards, on the other hand, are more flexible as they can be used to either get cash rebates on specific merchants or convert points into miles to redeem free flight tickets.

Air Miles

Miles Credit Cards

  1. Citi PremierMiles Visa Card: Use for online hotel and flight bookings
  2. UOB PRVI Miles Card: Use for general local spend
  3. Standard Chartered Visa Infinite Credit Card: Use for spending in foreign currency

Cashback

Cashback Credit Cards

  1. Citi Cash Back Card: Use for grocery shopping worldwide
  2. UOB One Card: Use for pumping petrol at SPC and Shell
  3. OCBC 365 Credit Card: Use for spending on everyday dining

Reward Points

Reward Points Credit Cards

  1. Citi Rewards Card: Use for retail shopping to earn extra miles
  2. American Express CapitaCard: Use for shopping at CapitaLand Malls to earn cash rebates
  3. DBS Woman's World Card: Use for free gym memberships

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.

Which is the Best Miles Card in Singapore?

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. Here are a few things to look out for when choosing the best miles card to suit your spending habits and lifestyle needs:

Miles 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 Redemption 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.

Frequent flyer programme T&Cs

Always, always check the T&Cs of any frequent flyer programme for any unsavory 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.

Minimum Balance Payment for Credit Cards

Is paying the minimum balance bad?

Because credit cards are effectively short-term loans, you are meant to pay off your bills in full every month. If you make only the minimum payment each month, you may accrue huge additional costs on top of your bill due to the credit card’s interest rate (typically 24%+)!

Does paying only minimum balance affect credit score?

Yes, If you plan to apply for any kind of credit or loan (such as a housing loan or car loan) in the future, be aware that any “bad behavior” with your credit card can come back to haunt you in the form of a bad credit score.

Miles Credit Cards 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.

Citi PremierMiles vs UOB PRVI Miles vs DBS Altitude: Which is best?

Finding the best air miles credit card is quite subjective. Why? Because it really depends on what you’re looking for. If you like access to airport lounges and miles that don’t expire, go for Citi PremierMiles. However, they don’t offer the best miles earning rate. Now, if you’re an overseas spender, you might want to consider UOB PRVI Miles because you can get 2.4 miles per dollar spent overseas. With DBS Altitude card, you get the same miles earning power as Citi PremierMiles, but you can get 3 miles for travel-related expenses such hotel and flight bookings.

How to redeem KrisFlyer miles?

Before you can redeem KrisFlyer miles, you should sign up for KrisFlyer membership. Then, convert your reward points. Remember to take note of the expiry date, denominations, conversion fee and lead time. For the actual redemption, choose from Star Alliance airlines and SQ partner airlines. Take note, your flight won’t be 100% free. You need to shoulder taxes and miscellaneous charges.

Can miles be transferred between airlines?

You can only transfer miles between partner airlines. If you have Citi PremierMiles, your options are wider – KrisFlyer, Asia Miles, Qantas and others.