Best Miles Credit Card Promotions in Singapore (2024)

Finding ways on how to pick the best air miles credit cards and to leverage on the best promotions? Here’s a quick guide on how to maximise the perks that your air miles credit card provides and to choose a card that has an annual fee which is worth paying for.

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Why Should You Get An Air Miles Card

Besides getting to earn miles on your big ticket items’ purchases or even on your everyday spending, there are a myriad of benefits which you can enjoy and these include

Benefits Of Getting An Air Miles Credit Card

  • Complimentary seat selection 
  • Booking flexibility waiver
  • Priority boarding and check-in 
  • Flexibility in redemption 
  • Additional baggage allowance 
  • Complimentary access to airport lounges regionally or worldwide
  • Perks through reward points or cashback 
  •  Express upgrade of exclusive airline class

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Best Credit Cards To Collect Air Miles

Credit CardsBEST FORMILES EARN RATE

Citi PremierMiles Card

Miles that don’t expireUp to 10 miles for every $1 spent on selected online hotel and flight bookings

OCBC 90°N Card

Miles that don’t expire
  • Up to 7 miles for every $1 spent on Agoda accommodations
  • 2.1 miles for every $1 spent on foreign currency spending
  • 1.3 miles for every $1 spent locally

AMEX SIA KrisFlyer Ascend Card

KrisFlyer Miles for frequent flyers
  • 2 miles for every $1 spent on foreign currency spending
  • 1.2 miles for every $1 spent locally
  • 3.2 miles for every $1 spent on Grab locally (up to $200 per month)

Maybank Horizon Card

Everyday local spending
  • 3.2 miles for every $1 spent on restaurant dining, petrol, public transport and hotel bookings on Agoda
  • 2 miles for every $1 spent overseas on air tickets, travel packages and foreign currency transactions

UOB PRVI VISA  Miles Card

Highest mile per dollar spend ratio
  • 6 miles per $1 spent on online hotel and flight bookings
  • 2.4 miles per $1 spent overseas
  • 1.4 miles per $1 spend locally
DBS Vantage Visa Infinite Card25,000 bonus miles upon payment of annual fee
  • 2.2 miles for every $1 spent overseas
  • 1.5 miles for every $1 spent locally
UOB KrisFlyer CardEveryday local spending
  • 3 KrisFlyer miles for every $1 spent on dining, online shopping, online travel and transport (including those on SIA, SilkAir, Scoot and KrisShop) 
  • 1.2 KrisFlyer miles on every $1 spent on other categories

Singapore Credit Cards with Air Miles Promotion (2024)

MoneySmart Exclusive
Up to 45K Miles Welcome Offer
MoneySmart Exclusive
Up to 45K Miles Welcome Offer

Standard Chartered Journey Credit Card (No Annual Fee)

for every S$1 spend on Transportation, Food Delivery & Online Grocery merchants. Capped at 3,000 Miles in a statement cycle
S$1 = 3 Miles
for all Eligible Foreign Spends
S$1 = 2 Miles
for all Eligible Local Spends
S$1 = 1.2 Miles
Earn up to 25,000 Miles when you meet the eligible spends AND have your first year Annual Fee waived when you sign up for the Journey Credit Card. T&Cs apply.

OR, earn up to 45,000 Miles when you meet the eligible spends and pay your card's first year Annual Fee when you sign up. Click here to apply.
Valid until 30 Jun 2024
MoneySmart Exclusive
Instant Rewards Redemption
MoneySmart Exclusive
Instant Rewards Redemption

HSBC TravelOne Card

on Local Spend
S$1 = 1.2 miles
on Foreign Currency Spend
S$1 = 2.4 Miles
Travel Insurance coverage, Airport Lounge visits
Complimentary

Get a Hinomi Q1 Ergonomic Chair (worth S$499) or a Samsung 27-inch Smart Monitor M5 (worth S$432) or an Apple AirPods 3rd Gen + S$50 Cash (worth S$313.80) or S$150 Cash via PayNow when you apply and spend a min. of S$500 from Card Account Opening Date to the end of the following calendar month. T&Cs apply.

Valid until 30 Apr 2024
MoneySmart Exclusive
Convenience & Perks for Frequent Flyers
MoneySmart Exclusive
Convenience & Perks for Frequent Flyers

American Express Singapore Airlines KrisFlyer Ascend Credit Card

Local Spend
S$1 = 1.2 Miles
Overseas Spend
S$1 = 2 Miles
on Eligible Grab transaction, capped at $200 per month
S$1 = 3.2 Miles
New American Express cardholder can get S$300 eCapitaVouchers AND up to 17,000 KrisFlyer miles (enough to redeem a Return Trip to Bali*) when you pay the card's annual fee and spend a min. of S$1,000 within the first month of card approval.

Existing cardholders can get up to 34,000 KrisFlyer Miles when you pay the card's annual fee and spend a min. of S$1,000 within the first month of card approval. T&Cs apply.
Valid until 30 Apr 2024
Online Promo
Miles or Cashback – you decide
Online Promo
Miles or Cashback – you decide

DBS Vantage Visa Infinite Card

Local Spend
S$1 = 1.5 miles or 1.5% cashback
Overseas Spend
S$1 = 2.2 miles or 2.2% cashback
when you pay the Card's Annual Fee
25,000 Bonus Miles
Online Promo:
Get up to 85,000 miles (for New Cardmembers) or up to 40,000 Miles (Existing Cardmembers) when you sign up and make a min. spend of S$4,000 within 30 days of card approval and payable annual fee required. T&Cs apply.
Valid until 31 May 2024
Online Promo
Ideal for frequent small business travellers
Online Promo
Ideal for frequent small business travellers

The American Express® Singapore Airlines Business Credit Card

per S$1 spent on eligible Singapore Airlines and Scoot flights
Earn up to 8.5 HighFlyer Points
per S$1 spent on all eligible purchases (worth 1.8 KrisFlyer miles)
Earn 1.8 HighFlyer Points
when you spend S$15,000 with Singapore Airlines Group in the 1st year
KrisFlyer Elite Gold status
Online Promo:
Welcome Offer 1: Get up to 68,000 HighFlyer points (worth S$647) from AMEX when you apply, pay the card's annual fee and spend a min. of $6,000 within first 3 months of card approval.

OR

Welcome Offer 2:
Receive a Samsonite Choca Spinner 68/25 Luggage (worth S$700) AND 10,800 HighFlyer points (worth S$102) from Amex when you apply and spend S$6,000 in the first 3 months of card approval. T&Cs apply.
Valid until 29 May 2024

6 Important Things To Look Out For In An Air Miles Credit Card

1

Miles Earn Rate

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.

2

Miles Redemption Programmes

Cathay Pacific’s Asia Miles programme and Singapore Airlines’ KrisFlyer programme are some of the more popular ones in Singapore whereby you can earn miles with your regular spending through credit cards and redeem flights or even accommodation for free. So, if you fly often via a preferred airline, do remember to tap on such perks to offset some of your travel expenses.

3

Frequent flyer programme T&Cs

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.

4

Annual fees

Most credit cards including airline-specific cards charge annual fees which are usually for the convenience of using the card to make your purchases as well the administrative costs of maintaining your credit card account.

You often get a free credit card replacement if your card is lost or stolen, or if it's damaged and you need a new one. All these costs add up and your annual fee is what goes into paying for them.

Many banks do offer a waiver of your annual fee but you'll need to call them up to make this request.

5

Conversion fees

There are often charges for converting the miles on your card into miles with a frequent flyer program and these are known as conversion fees. Several cards like Citi PremierMiles Card and UOB PRVI Miles Card have a conversion fee of $25 per conversion while other cards charge different rates.

Most credit cards are linked to more than just one frequent flyer program, so you'll get to pick from a wider range of countries to travel to.

6

Lifespan of earned miles

Cards like Citi PremierMiles Card, DBS Altitude Visa Signature Card and OCBC 90°N card offer earned miles that don't expire, which is a benefit that is important given uncertain situations like the COVID-19 pandemic that made travelling impossible at times.

If your card requires you to accumulate and then convert miles, remember to check the expiry date so you can convert them as late as possible.

Should you pay the credit card annual fee for miles?

If you are frustrated with how long it takes to accrue enough miles to redeem a free flight, it may be tempting to just pay your credit card’s annual fee to get hold of your bonus miles. Before you do so, it is worthwhile to compare the options. Since there is intense competition among miles cards in Singapore, do check out what other banks have to offer.


Credit card issuers typically offer better sign-up promotions and bonus miles “packages” for newcomers or those who have not owned a credit card for at least a year. If, after considering the options, you are still keen to pay the annual fee, do some simple maths to find the cost per mile and decide if it is worth it. This is of course a subjective decision, but many air miles bloggers deem that each mile should cost well under 2 cents. Any more than that, and you might as well pay for the flights with cash.

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Frequently Asked Questions

Which air miles programme is best?

For most Singaporeans, air miles are synonymous with KrisFlyer miles. But, while Singapore Airlines' KrisFlyer frequent flyer programme is definitely the most popular here, Cathay Pacific's Asia Miles programme may also be worth considering. Of course, Singapore Airlines has the most destinations, but if you like to visit East Asia, Cathay Pacific operates a good number of direct flights as well.

How much are miles worth?

The value of a mile is a subjective matter, and you will find entire blogs dedicated to arguing about it. Generally, most miles chasers are not willing to pay more than S$0.01 per mile when paying the annual fee. After that point, you may find yourself paying enough to afford the air fare in cash.

How many air miles do I need to fly for free?

Miles award charts vary from frequent flyer programme to frequent flyer programme. For KrisFlyer miles, you should aim for at least 50,000 miles in order to redeem a free Economy flight to anywhere a good distance away. For example, it takes 50,000 miles to fly to Japan and 56,000 to fly to Sydney. If you want to fly Business class, expect about double the number of miles.