Compare the Best Air Miles Credit Cards in Singapore 2020

Updated January 2020

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 Credit Card

S$1 = 2 Miles

Local Spend

S$1 = 2 Miles

Overseas Spend

S$1 = 3.1 Miles

Grab rides

Online Promotion: Get a complimentary one night stay at Village Hotel Sentosa!Valid till 31 Jan 2020.

S$1 = 2 Miles

Local Spend

S$1 = 2 Miles

Overseas Spend

S$1 = 3.1 Miles

Grab rides

Online Promotion: Get a complimentary one night stay at Village Hotel Sentosa!Valid till 31 Jan 2020.

Air Miles Features

  • Welcome Offer–Make a minimum charge of S$1,000 on eligible spend within the first one (1) month of Card approval and receive a Complimentary one-night stay in a Deluxe Room at the Village Hotel Sentosa (worth up to S$360++). Valid till 31 Jan 2020
  • S$1 = 1.1 KrisFlyer miles (Local)
  • S$1 = 2 KrisFlyer miles (Overseas) during June and December
  • S$1 = 3.1 KrisFlyer miles for Grab rides, capped at S$200 per month
  • Receive 5,000 KrisFlyer miles upon first spend on card
  • First Year Fee Waiver
  • Eligible with Apple Pay, Google Pay, Samsung Pay

Annual Interest Rate and Fees

Annual Interest Rate25.90%
Principle Annual Fee$177
Supplementary Annual Fee53.5
Fee WaiverAvailable
Minimum Monthly Repayment3% or $50, whichever is higher
Interest Free Period22 days

Minimum Income Requirements

Singaporean$30,000
Foreigner$60,000

Other

Card AssociationAmerican Express
Wireless PaymentApple Pay, Samsung Pay, Google Pay
American Express Singapore Airlines KrisFlyer Ascend Credit Card

S$1 = 1.2 Miles

Local Spend

S$1 = 2 Miles

Overseas Spend

S$1 = 3.2 Miles

Grab Rides

Online Promotion: Get a complimentary one night stay at Village Hotel Sentosa!Valid till 31 Jan 2020.

S$1 = 1.2 Miles

Local Spend

S$1 = 2 Miles

Overseas Spend

S$1 = 3.2 Miles

Grab Rides

Online Promotion: Get a complimentary one night stay at Village Hotel Sentosa!Valid till 31 Jan 2020.

Air Miles Features

  • Welcome Offer - Spend a minimum of S$1,000 on eligible purchases within the first one (1) month of Card approval and receive a complimentary one-night stay in Deluxe Room at Village Hotel Sentosa (worth up to S$360++). Valid till 31 Jan 2020 for new American Express Card Members only.
  • 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
    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

    MoneySmart Exclusive: Get $100 Cash Credit + 3,000 Miles. Valid till 31 Jan 2020Valid till 31 Jan 2020.

    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

    MoneySmart Exclusive: Get $100 Cash Credit + 3,000 Miles. Valid till 31 Jan 2020Valid till 31 Jan 2020.

    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
    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

    $100 Instant Cash via PayNow!

    Standard Chartered X Credit Card

    S$1 = 1.2 Miles

    on Local Spend

    S$1 = 2 Miles

    on Overseas Spend

    30,000 Miles

    Promotional Gift

    MoneySmart Exclusive: Get S$100 Instant Cash via PayNow & Instant digital card approval with MyInfo! Valid till 31 Jan 2020.
    • Get 30,000 Air Miles
    • +1 more

    S$1 = 1.2 Miles

    on Local Spend

    S$1 = 2 Miles

    on Overseas Spend

    30,000 Miles

    Promotional Gift

    MoneySmart Exclusive: Get S$100 Instant Cash via PayNow & Instant digital card approval with MyInfo! Valid till 31 Jan 2020.

    Other Promotions

    • Bonus of up to 300,000 extra air miles with Priority Banking sign-up

    Air Miles Features

    • Get 30,000 Air Miles when you activate your X card within 30 days from approval date and pay annual fee of S$695.50
    • 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, Apple Pay, Samsung Pay, Google Pay
    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

    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

    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
    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

    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

    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
    All results loaded

    Best Miles Credit Cards 2020

    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.