Compare the Best Air Miles Credit Cards in Singapore 2021

Compare all air mile credit cards to see which one benefits you the most based on your spending habits. Read More
We found 19 Credit Cards for you!
American Express logo
MoneySmart Exclusive
Convenience & Perks for Frequent Flyers
Local Spend
S$1 = 1.1 Miles
Overseas Spend
S$1 = 2 Miles
Grab rides
S$1 = 3.1 Miles

Get a PRISM+ W240 Monitor (worth $239) or $180 cash via PayNow when you apply and spend on your card!

Valid until 31 Oct 2021 - See more details below
Apply Now
Citibank logo
MoneySmart Exclusive
Earn Miles That Don't Expire - Annual Fee Applies
Local Spend
S$1 = Up to 1.2 Miles
All Foreign Currency Spend including Retail and Online
S$1 = 2 Miles
Selected Online Hotel and Flight bookings
S$1 = Up to 10 Miles

GET YOUR GIFT FASTER THAN EVER:
Apply and spend $500 to get a free Apple iPad 64GB (worth $499) OR Sony WF-1000XM4 Earbuds (worth $379) OR $350 Cash via PayNow. Redeem your gift as fast as 6 weeks from credit card account opening. T&Cs Apply.

Valid until 31 Oct 2021 - See more details below
Apply Now
HSBC logo
Online Promo
Earn Points for Everyday Spending
on Online Spend and Contactless Payments
S$1= 10X Points
on All Other Spend
S$1= 1X Point
Rewards to Miles Conversion for Selected Airline Partners
1 Point = 4 Miles
Online Promo:
Get up to $200 cashback for new HSBC cardmembers. Existing HSBC cardmembers receive $60 cashback. T&Cs apply.
Valid until 31 Oct 2021 - See more details below
Apply Now
DBS logo
Online Promo
Earn Miles That Never Expire
Local Spend
S$1 = 1.2 Miles
Overseas Spend
S$1 = 2 Miles
Staycation bookings
S$1 = 10 Miles
Online Promo:
Get S$200 worth of Great World vouchers when you apply with promo code DBSGW and spend a minimum of S$200 to your card. Valid till 30 Nov 2021. T&Cs apply.
Valid until 30 Nov 2021 - See more details below
Apply Now
UOB logo
Online Promo
Local Spend
S$1 = 1.4 Miles
Overseas Spend
S$1 = 2.4 Miles
Selected Online Hotel and Flight bookings
S$1 = 6 Miles
Online Promo:
Receive S$300 Cashback for new to UOB cardmembers for 1st 100 Customers to make a min spend of $1.5K within 30 days of card approval. T&Cs Apply
Valid until 31 Oct 2021 - See more details below
Apply Now
American Express logo
Convenience & Perks for Frequent Flyers
Local Spend
S$1 = 1.2 Miles
Overseas Spend
S$1 = 2 Miles
Grab Rides
S$1 = 3.2 Miles
Apply Now
HSBC logo
Local Spend
S$1 = Up to 1.25 Miles
Overseas Spend
S$1 = Up to 2.25 Miles
Welcome Gift
35,000 Miles
Apply Now
DBS logo
Online Promo
N/A
N/A
N/A
Online Promo:
Get S$200 worth of Great World vouchers when you apply with promo code DBSGW and spend a minimum of S$200 to your card. Valid till 30 Nov 2021. T&Cs apply.
Valid until 30 Nov 2021 - See more details below
Apply Now
UOB logo
Online Promo
Local Spend
S$1 = 1.4 Miles
Overseas Spend
S$1 = 2.4 Miles
Selected Online Hotel and Flight bookings
S$1 = 6 Miles
Online Promo:
Receive S$300 Cashback for new to UOB cardmembers for 1st 100 Customers to make a min spend of $1.5K within 30 days of card approval. T&Cs Apply
Valid until 31 Oct 2021 - See more details below
Apply Now
UOB logo
Online Promo
Earn Miles on Everyday Spending
on Singapore Airlines, SilkAir, Scoot and KrisShop
S$1 = 3 Miles
on dining, food delivery, online shopping and travel, and transport spend
S$1 = 3 Miles
on all other spend
S$1 = 1.2 Miles
Online Promo:
Receive S$300 Cashback for new to UOB cardmembers for 1st 100 Customers to make a min spend of $1.5K within 30 days of card approval. T&Cs Apply.
Receive 3,000 miles when you make a minimum spend of S$5. T&Cs Apply.
Valid until 31 Oct 2021 - See more details below
Apply Now
UOB logo
Online Promo
High Miles Earn Rate
Local Spend
S$1 = 1.4 Miles
Overseas Spend
S$1 = 2.4 Miles
Selected Online Hotel and Flight bookings
S$1 = 6 Miles
Online Promo:
Receive S$300 Cashback for new to UOB cardmembers for 1st 100 Customers to make a min spend of $1.5K within 30 days of card approval. T&Cs Apply
Valid until 31 Oct 2021 - See more details below
Apply Now
DBS logo
Online Promo
Earn Miles That Never Expire
Local Spend
S$1 = 1.2 Miles
Overseas Spend
S$1 = 2 Miles
Staycation bookings
S$1 = 10 Miles
Online Promo:
Get S$200 worth of Great World vouchers when you apply with promo code DBSGW and spend a minimum of S$200 to your card. Valid till 30 Nov 2021. T&Cs apply.
Valid until 30 Nov 2021 - See more details below
Apply Now
Standard Chartered logo
Frequent Travellers
on Local Spend
S$1 = 1.2 Miles
on Overseas Spend
S$1 = 2 Miles
Promotional Gift
30,000 Miles
Apply Now
OCBC logo
Earn Miles That Don't Expire
Cash Back on Eligible Spend
1.2%
on Overseas spend
S$1 = 2.1 Miles
on Local spend
S$1 = 1.2 Miles
Read More
Maybank logo
Online Promo
on Dining, Petrol, Taxi and Hotel Bookings at Agoda
S$1 = 3.2 Miles
on Air Tickets, Travel Packages and Foreign Currency Spend
S$1 = 2 Miles
Rewards to Miles Conversion for Selected Airline Partners
1 Point = 0.5 miles
Online Promo:
Receive a Garmin vivomove Style worth S$469 (Valid for the first 2,000 applicants only).  Subsequent Qualifying Applicants will be rewarded with S$100 cash credit to be credited to their activated Eligible Card accounts. Valid till 31st of Oct. TNCs Apply.
Valid until 31 Oct 2021 - See more details below
Apply Now
American Express logo
Rewards to Miles Conversion for Singapore Airlines and more
1 Point = 0.625 Miles
at Priority Pass, Centurion Lounge, and more
Complimentary Lounge Access
on Membership Rewards Points
No Expiry Date
Apply Now
Bank of China logo
Local Spend
S$1 = 1 Mile
Overseas Spend
S$1 = 2 Miles
Rewards to Miles Conversion
1 Point = 0.33 Miles
Read More
UOB logo
Online Promo
on All Categories
S$5 = 10X UNI$
on All Categories
S$1 = 4 Air Miles
Min. Spend
0
Online Promo:
Receive S$300 Cashback for new to UOB cardmembers for 1st 100 Customers to make a min spend of $1.5K within 30 days of card approval. T&Cs Apply
Valid until 31 Oct 2021 - See more details below
Apply Now
Citibank logo
Shipping Rebates on Lazada
on Lazada
10X Reward Points
on Dining, Travel, Entertainment & Commute
5X Reward Points
on Everything else, no cap
1X Reward Points
Apply Now

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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. Citibank 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

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.

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.


Updated: March 8, 2020

Try MoneySmart’s newKrisFlyer miles calculator

Use our new KrisFlyer miles redemption calculator and find out which destinations you can travel for free on a travel class of your choice

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.