Best Miles Credit Card Promotions in Singapore (2026)
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.
Why Should You Get An Air Miles Card
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
What Are Credit Card Miles Promotions?
Miles promotions are special deals that sit on top of a card’s normal earn rate. They usually appear in two forms: sign-up bonuses and limited-time campaigns.
| Promo Type | What They Are |
|---|---|
| Sign-up bonuses |
• Bonus miles when you hit a minimum spend within a fixed period after card approval. • For example, the DBS Altitude Visa Signature can offer up to 38,000 bonus miles when you spend at least S$800 within 60 days and pay the annual fee during the promo period. |
| Recurring & limited-time offers |
• Banks regularly refresh promotions, especially around major holidays, school breaks, or travel surges. • Boosted rewards including extra miles, or exclusive gifts like gadgets. |
Promo Miles vs Base Miles
Every miles card has two layers of earn:
- Base miles – what you earn on everyday card spend, regardless of promotions
- Promo miles – extra miles awarded when you meet specific promotion rules
For example, Citi PremierMiles earns 1.2 miles per S$1 locally and 2.2 miles per S$1 overseas as base rates. That continues whether there is a sign-up promo running or not.
By contrast, a promotion might give you extra 10,000–30,000 miles when you hit a S$500–S$3,000 minimum spend in a 30–60 day window, or when you pay the annual fee. Those are promo miles—one-off boosts layered on top of base earnings.
Miles Promotions vs. Cashback and Rewards Cards
| Type | What You Get | Best For |
|---|---|---|
| Miles promos | Large blocks of miles that can be converted into Award Flights, upgrades and sometimes hotel stays | Frequent or aspirational travellers planning trips |
| Cashback promos | One-off cashback or boosted rates on spend | People who want simple bill savings with no travel optimisation |
| Rewards points promos | Clusters of points redeemable for vouchers, gifts, or miles | Those who want flexibility beyond travel-only rewards |
Miles promotions tend to deliver the highest value when you redeem Award Flights. Cashback is better if you don’t travel much or prefer guaranteed savings.
Fly Farther, Earn Miles Faster
Best Miles Promotions in Singapore (2026)
| Card | Base Earn Rate (Key Highlights) | Bank Promo | MoneySmart Exclusive Promo | Annual Fee | Best For |
|---|---|---|---|---|---|
| Citi PremierMiles Card | 1.2 mpd local; 2.2 mpd overseas; up to 10 mpd on Kaligo/Agoda | 10,000 renewal miles upon annual fee payment |
$380 Cash or 6,140 SmartPoints with $500 spend in 30 days Valid 14–22 February 2026 |
$196.20 (1st year waived) | Flexible multi-airline miles collectors |
| Standard Chartered Journey Credit Card | Up to 3 mpd (capped); 2 mpd overseas; 1.2 mpd local | 20,000 miles with $800 spend in 60 days (stackable campaign) |
$180 Cash or 2,800 SmartPoints with $800 spend + eligible SCB product Valid till 19 February 2026 |
$0 | Everyday spenders wanting miles + lounge access |
| UOB PRVI Miles Card | 3 mpd (ID/MY/TH/VN); 2.4 mpd other overseas; 1.4 mpd local; up to 8 mpd via Agoda/Expedia | 4 complimentary lounge visits; up to 6 bonus KrisFlyer miles per $1 with KrisFlyer UOB Account | N/A | $261.60 (1st year waived) | High overseas spenders wanting uncapped miles |
| UOB KrisFlyer Credit Card | Up to 3 mpd on SIA Group spend (with min SIA spend); 1.2 mpd other spend | 5,000 miles on first spend; 10,000 miles on annual fee payment (renewal) | N/A | $196.20 (1st year waived) | KrisFlyer ecosystem loyalists |
| DBS Altitude Visa Signature | 1.3 mpd local; 2.2 mpd overseas; DBS Points never expire |
Up to 38,000 miles with $800 spend in 60 days + annual fee payment; 28,000 miles with fee waiver option Valid till 28 February 2026 |
N/A | $196.20 (1st year waived) | Travellers wanting non-expiring miles |
| AMEX Singapore Airlines KrisFlyer Ascend | 1.2 mpd local; higher earn on Singapore Airlines & Scoot | Welcome bonus miles (subject to spend requirement) | N/A | $397.85 | Frequent SIA travellers wanting direct miles + perks |
Promotions verified against internal database. Campaigns subject to change.
Singapore Credit Cards with Air Miles Promotion (2026)
Standard Chartered Journey Credit Card (No Annual Fee)
- on Transportation, Food Delivery & Online Grocery merchants
- S$1 = 3 Miles
- for all Eligible Foreign Spends
- S$1 = 2 Miles
- for all Eligible Local Spends
- S$1 = 1.2 Miles
Get S$180 Cash via PayNow or 2,800 SmartPoints (worth up to S$429 of Gifts) when you spend min. S$800 in 60 days AND apply to any of the following SCB products through MoneySmart (Bonus$aver Account, CashOne Loan, EasyPay or Funds Transfer). T&Cs apply.
[Stackable Miles Promotion]
Get 20,000 miles when you spend a min. of S$800 within first 60 days of card approval. T&Cs apply.
American Express Singapore Airlines KrisFlyer Ascend Credit Card
- on eligible Singapore Airlines, Scoot flight bookings, KrisShop & Pelago purchases, with no cap
- S$1 = 2 KrisFlyer miles
- on eligible Grab Singapore transactions
- S$1 = Up to 2 KrisFlyer miles
- on all other eligible purchases
- S$1 = 1.2 KrisFlyer miles
- 20,000 KrisFlyer miles with annual fee payment and min. spending of S$8,000 within first 6 months of Card approval.
- 20,000 KrisFlyer miles on your first spend in the 15th month of Card Membership and upon annual fee payment.
- 5,000 KrisFlyer miles upon first transaction (first-time American Express Singapore Airlines Credit Card applicants).
Citi PremierMiles Card
- Local Spend
- S$1 = 1.2 miles
- All Foreign Currency Spend including Retail and Online
- S$1 = Up to 2.2 miles
- Selected Online Hotel Bookings
- S$1 = Up to 10 miles
Apply and spend S$500 within 30 days to choose your reward: UPSIZED S$400 Cash Reward or 6,140 SmartPoints (worth up to S$499 of Gifts) and receive them as quickly as 5 weeks after meeting the spend criteria!
PLUS, double your excitement with a chance to win the ultimate S$15,000 getaway to your dream destination in our exclusive lucky draw! T&Cs apply.
American Express Singapore Airlines KrisFlyer Credit Card
- on eligible Singapore Airlines & Scoot flight bookings, KrisShop & Pelago purchases, with no cap
- S$1 = 2 KrisFlyer miles
- on eligible Grab Singapore transactions
- S$1 = Up to 2 KrisFlyer miles
- on all other eligible purchases
- S$1 = 1.1 KrisFlyer miles
- 11,000 KrisFlyer miles with min. spending of S$2,000 within first 3 months of Card approval.
- 5,000 KrisFlyer miles upon first transaction (first-time American Express Singapore Airlines Credit Card applicants).
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KrisFlyer UOB Credit Card
- on Singapore Airlines, Scoot, KrisShop, Kris+ and Pelago purchases
- S$1 = 3 Miles
- on dining, food delivery, online shopping, online travel and transport spend
- S$1 = Up to 2.4 Miles
- on all other spend
- S$1 = 1.2 Miles
UOB PRVI Miles Mastercard Card
- on agoda and Expedia bookings via UOB PRVI Miles website.
- S$1 = Up to 8 miles
- on Overseas Spend
- S$1 = Up to 3 miles
- on Local Spend
- S$1 = 1.4 miles
What Makes a “Good” Miles Promotion?
When evaluating miles promos, there are a few markers that separate the decent from the exceptional:
- Strong miles-per-dollar on the promo block – for example, 15,000–30,000 miles for S$2,000–S$3,000 qualifying spend.
- Airline partnerships that match your travel habits, especially Singapore Airlines KrisFlyer.
- Useful extra perks like lounge passes, fee waivers, hotel nights or better travel insurance.
- Reasonable expiry and flexibility, such as miles that never expire on the card side (e.g. Citi Miles) or can transfer to multiple airline partners.
The best promotions align with both your short-term spending (so you can hit the minimum) and your long-term travel goals (so you actually use the miles).
Promo Terms & Conditions (What You Must Check)
| Condition | What It Means | Why It Matters |
|---|---|---|
| New-to-bank requirement | You must not hold that bank’s credit card for the last 12 months | If you have any active card with that bank, you may not qualify |
| Spend window | 30–60 days from approval, not from card delivery | Missing it by 1 day = no bonus miles |
| Eligible spend | Only retail transactions count | Insurance, education, govt payments, AXS, GrabPay, bank fees usually don’t count |
| Annual fee payment | Some promos require fee payment to unlock full bonus | DBS Altitude & AMEX Ascend often require fee payment for max miles |
| Promo registration | Some campaigns require clicking “Register” in the app/bank site | Missing this = miles forfeited |
| Cap or limit | Some promos have limited redemption units | Apple Watches and similar gifts often run out early |
MoneySmart Tip 💡: Always check and understand all conditions to prevent any loss of promo miles.
Common Pitfalls to Watch Out For
Missing the Qualifying Spend Window
Ineligible Transactions
Forgetting to Link Frequent Flyer Accounts
Annual Fee Missteps
Overlooking Miles Expiry
Not Checking the Bank’s Conversion Timeline
Should You Pay the Annual Fee for Bonus Miles?
Quick calculation example:
- Annual fee = S$196.20
- Bonus miles = 10,000 miles
- Value per mile = ~2¢
- Total value = ~S$200
If the bonus miles value exceeds the annual fee, it’s usually worth paying.
General rule of thumb
| Pay the annual fee if… | Request a waiver if… |
|---|---|
|
|
When paying the fee is mandatory
Cards like AMEX Ascend do not offer waivers at all—so the fee is built into the product’s value proposition.Best Credit Cards With Air Miles For Paying Your Annual Fee
Citi PremierMiles Card
- Local Spend
- S$1 = 1.2 miles
- All Foreign Currency Spend including Retail and Online
- S$1 = Up to 2.2 miles
- Selected Online Hotel and Flight bookings
- S$1 = Up to 10 miles
Apply and spend S$500 within 30 days to choose your reward: UPSIZED S$400 Cash Reward or 6,140 SmartPoints (worth up to S$499 of Gifts) and receive them as quickly as 5 weeks after meeting the spend criteria!
PLUS, double your excitement with a chance to win the ultimate S$15,000 getaway to your dream destination in our exclusive lucky draw! T&Cs apply.
American Express Singapore Airlines KrisFlyer Ascend Credit Card
- on eligible Singapore Airlines, Scoot flight bookings, KrisShop & Pelago purchases, with no cap
- S$1 = 2 KrisFlyer miles
- on eligible Grab Singapore transactions
- S$1 = Up to 2 KrisFlyer miles
- on all other eligible purchases
- S$1 = 1.2 KrisFlyer miles
- 20,000 KrisFlyer miles with annual fee payment and min. spending of S$8,000 within first 6 months of Card approval.
- 20,000 KrisFlyer miles on your first spend in the 15th month of Card Membership and upon annual fee payment.
- 5,000 KrisFlyer miles upon first transaction (first-time American Express Singapore Airlines Credit Card applicants).
The Amex KrisFlyer Ascend credit card is also for higher earners, with a minimum income requirement of S$50,000 per annum. And like the Standard Chartered X Card, it has a non-waivable annual fee that kicks in from the first year. However, if you pay the $340.20 annual fee, you’ll receive 21,500 worth of KrisFlyer Miles when you charge a minimum of SGD1,000 within the first month of card approval.
Note that American Express also has an entry-level version of this card, the Amex KrisFlyer Card, which has an annual fee waiver for the first year. This credit card also offers welcome miles for hitting a minimum spend, but without the need to pay the annual fee.
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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
This card has one of the best air miles giveaway, — up to 60,000 miles for new DBS cardmembers. However, this card does come with a hefty annual fee of $594 which is non-waivable for the first year.
However, you’ll be entitled to a waiver in the subsequent years if a minimum of S$60,000 worth of retail spend is made in the preceding card year. This makes this card great for high spenders as the rewards can be converted to miles or cashback every month.
DBS Altitude Visa Signature Card
- Local Spend
- S$1 = 1.3 miles
- Overseas Spend (made in foreign currency)
- S$1 = Up to 2.2 miles
- on DBS Points earned
- No Expiry
- Local Spend
- S$1 = Up to 1.25 Miles
- Overseas Spend
- S$1 = Up to 2.25 Miles
- for personalized assistance
- Dedicated Concierge Service
With an even higher annual fee of S$656.08, as compared to the DBS Vantage Visa Infinite Card, the HSBC Visa Infinite Credit Card rewards you with 2.25 miles for every $1 spent abroad. You’ll also get 35,000 air miles awarded in the form of 87,500 Rewards Points which you’ll have to pay a fee to convert the points to miles.
However, getting this card will have you covered with a complimentary travel insurance of up to US$2,000,000 (annual value worth S$988), complimentary green fees and worldwide golfers' insurance of up to $500,000.
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 S$400 Cash or 6,140 SmartPoints (worth up to S$499 of Gifts) when you spend S$500 from Card Account Opening Date to end of the following calendar month!
PLUS, double your excitement with a chance to win the ultimate S$15,000 getaway to your dream destination in our exclusive lucky draw! T&Cs apply.
As one of the credit cards which has a generous air miles giveaway, you’ll get up to 20,000 miles (equivalent to a round trip air ticket to Bali) upon payment of an annual fee of S$194.40 and a minimum spend of S$800. However, annual fee waiver benefits are available if you spend more than S$25,000 per year.
Moreover, you can be entitled to up to 2.4 miles (6X Reward points) for every $1 spent overseas, plus there is no conversion fee when you redeem for air miles or hotel points for a wide range of airline and hotel bookings including Cathay Pacific, Singapore Airlines, Marriott Bonvoy and more, making this card ideal for high spenders and frequent travellers.
Exclusive: Most Popular Credit Cards in Singapore
Frequently Asked Questions
Which credit card gives the most miles?
- There’s no single winner—it depends on your spend and travel pattern.
UOB PRVI Miles offers very high ongoing overseas earn rates (up to 3 mpd in selected regions), while cards like Citi PremierMiles and DBS Altitude top up with strong promos and partner bonuses. How are miles credited?
Miles from co-branded cards like KrisFlyer UOB or AMEX KrisFlyer are credited directly to your KrisFlyer account, typically in monthly batches.
For bank-points cards such as Citi PremierMiles, DBS Altitude or UOB PRVI, miles first accrue as bank points, which you must manually convert to airline miles through the bank’s rewards portal.
Promo miles generally credit 2–3 months after the spend window closes, not immediately when you hit the spend requirement.Do miles expire?
Bank-issued miles or points (e.g., Citi Miles, DBS Points, OCBC 90°N Miles) often never expire while they remain in your bank account.
However, once transferred to KrisFlyer, miles follow the airline’s rules and expire 36 months from the month they’re credited.
These airline miles can be extended for a fee but cannot be reinstated once fully expired, so it’s best to convert points only when you’re ready to redeem.
Miles vs cashback—how do I choose?
- Go for miles if you travel regularly or want premium-cabin redemptions. Choose cashback if you rarely travel or prefer simple, guaranteed savings with no award chart management.
Do I have to pay annual fees to get miles?
- Some cards waive first-year fees and still give welcome miles; others only credit full bonus miles if you pay the annual fee. Renewal bonuses almost always require paying the fee. You can request waivers after the first year, but approval is not guaranteed.
What transactions don’t count for promos?
- Most promos exclude insurance premiums, government charges, fees, cash advances and some bill payments. Always check the bank’s exclusion list when planning your qualifying spend.
When is the best time to apply?
- The best time is just before a period when you’ll naturally spend enough to qualify, such as booking flights, hotels or big purchases, while the promo is still valid. That way you hit the minimum with organic spend, not forced transactions
