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Citi PremierMiles Visa Card

38,520 Miles per Year
Citi PremierMiles Visa Card Must Have Card
Excellent
38,520 Miles per Year

Annual Fees and Rates

  • Principal Annual Fee $192.60 per year
  • Supplementary Annual Fee Complementary
  • Fee Waiver No fee waiver
  • Annual Interest Rate 28%

Eligibility

  • Singaporean Minimum Income $50,000 per year
  • Non-Singaporean Minimum Income $50,000 per year

Things to look out for

  • 10,000 Citi Miles upon membership renewal
  • Citi Miles never expire
  • No cap on annual miles accrual
  • 1 Citi Mile = 1 Mile with over 60 popular airlines like KrisFlyer, Asia Miles, Enrich, Qantas, Qatar
More Details

UOB PRVI Miles Card

34,560 Miles per Year
UOB PRVI Miles Card Must Have Card
Excellent
34,560 Miles per Year

Annual Fees and Rates

  • Principal Annual Fee S$256.80
  • Supplementary Annual Fee S$128.40
  • Fee Waiver 1 year fee waiver, free first 2 supplementary cards
  • Annual Interest Rate 25.9%

Eligibility

  • Singaporean Minimum Income
    PRVI Mastercard & PRVI American Express: S$50,000
    PRVI Visa: S$80,000 OR Fixed Deposit collateral of at least S$30,000
  • Non-Singaporean Minimum Income
    PRVI Mastercard & PRVI American Express: S$50,000
    PRVI Visa: S$80,000 OR Fixed Deposit collateral of at least S$30,000

Things to look out for

  • Same day card delivery applicable only for complete applications submitted at uob.com.sg before 1pm, Mon-Fri
  • Applications submitted on weekends which choose same day delivery will have their card delivered the following Tue
  • No min spend and no cap on earned miles
More Details
American Express Singapore Airlines KrisFlyer Credit Card Must Have Card
Excellent
20,750 Miles per Year

Annual Fees and Rates

  • Principal Annual Fee S$176.55 (inclusive of GST)
  • Supplementary Annual Fee S$53.50 (inclusive of GST)
  • Fee Waiver First Year Fee Waiver
  • Annual Interest Rate N/A

Eligibility

  • Singaporean Minimum Income $30,000 per year
  • Non-Singaporean Minimum Income $60,000 per year

Things to look out for

  • First Year Annual Membership Fee Waiver does not apply to those who hold existing co-branded American Express Singapore Airlines Credit Cards
  • 10% savings on published Hertz rates, one car class upgrade, fee waived additional driver
  • Receive up to 30% off on walk-in rates* at selected Plaza Premium lounges around the world, including at Changi Airport
More Details

HSBC Visa Infinite Credit Card

59,900 Miles per Year
HSBC Visa Infinite Credit Card
Excellent
59,900 Miles per Year

Annual Fees and Rates

  • Principal Annual Fee Non Premier Customer: S$650 (inclusive of prevailing GST)
  • Supplementary Annual Fee Nil
  • Fee Waiver Annual programme fee applies
  • Annual Interest Rate 25%

Eligibility

  • Singaporean Minimum Income $120,000 per year
  • Non-Singaporean Minimum Income $120,000 per year

Things to look out for

  • 40,000 air miles in the form of 100,000 HSBC Rewards Points
  • Annual Programme fee of S$40 applies to convert points to air miles
  • One complimentary Airport VIP Service and Aiport Limousine Service with every monthly spend of S$2,000, capped at 24 utilizations per year
More Details
American Express Singapore Airlines KrisFlyer Ascend Credit Card
Excellent
32,120 Miles per Year

Annual Fees and Rates

  • Principal Annual Fee $337.05 per year
  • Supplementary Annual Fee $80.25 per year
  • Fee Waiver First year fee waiver for supplementary card
  • Annual Interest Rate 24.99%

Eligibility

  • Singaporean Minimum Income $50,000 per year
  • Non-Singaporean Minimum Income $60,000 per year

Things to look out for

  • First Year Annual Membership Fee Waiver does not apply to those who hold existing co-branded American Express Singapore Airlines Credit Cards
  • 10% savings on published Hertz rates, one car class upgrade, fee waived additional driver
  • Spend above S$15,000 on eligible purchases made on singaporeair.com within the first 12 months upon Card approval to be automatically upgraded to the KrisFlyer Elite Gold Membership tier
More Details

DBS Woman's World Card

12,960 Miles per Year
DBS Woman's World Card
Excellent
12,960 Miles per Year

Annual Fees and Rates

  • Principal Annual Fee $192.60 per year
  • Supplementary Annual Fee $96.30 per year
  • Fee Waiver 1 year fee waiver, subsequent years waived with min. spend of $25,000 p.a.
  • Annual Interest Rate 25.90%

Eligibility

  • Singaporean Minimum Income $80,000 per year
  • Non-Singaporean Minimum Income $80,000 per year

Things to look out for

  • 0.2 Reward points for every $1.00 spent
  • 0.6 Rewards points for every $1.00 spent on Travel
  • 2 Rewards points for every $1.00 spent on Online Shopping
  • Monthly expenditure cap of $2,000 for Online Shopping category
  • No cap for all other categories
More Details

DBS Altitude Visa Signature Card

24,480 Miles per Year
DBS Altitude Visa Signature Card
Very Good
24,480 Miles per Year

Annual Fees and Rates

  • Principal Annual Fee $192.60 per year
  • Supplementary Annual Fee $96.30 per year
  • Fee Waiver 1 year fee waiver
  • Annual Interest Rate 25.90%

Eligibility

  • Singaporean Minimum Income S$30,000
  • Non-Singaporean Minimum Income S$45,000

Things to look out for

  • Miles are awarded as DBS points (1 mile = 2 DBS points)
  • 3 miles per S$1 spent on online flight and hotel transactions = 1.2 miles + 1.8 additional miles
  • The maximum amount which additional DBS Points can be awarded is capped at S$5,000 spend per calendar month on online flight and/or hotel transactions
  • Cardmembers must apply for Priority Pass™ Membership at https://www.prioritypass.com/altitudevisa
More Details

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.

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