Best Credit Cards with Air Miles for Paying Your Annual Fee (2020)

Those new to Citi cards can enjoy an attractive 26,500 miles bonus if they pay the annual fee of S$192.60, provided they can also meet the minimum spending requirements. That works out to a very cheap 0.7 cents per mile.

Unfortunately, this offer is only for new-to-Citi cardmembers. Existing ones only get 3,500 bonus miles for paying the annual fee.

On the other hand, you get 60,000 miles for paying the annual fee, provided you meet the minimum spending requirements within the first few months. This works out to a reasonable 1.2 cents per mile.

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 $337.05 annual fee and meet the minimum spending requirements, you can net 20,000 miles. That works out to 1.7 cents per mile.

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.

It has a first-year annual fee waiver, but if you choose to pay the annual fee of S$192.60 from the second year, you can get 10,000 miles in return. That works out to 1.9 cents per mile.

You can also opt to get a second year fee waiver if you are eligible, but you will naturally miss out on the 10,000 bonus miles.

While it also offers a first-year annual fee waiver, those who choose to pay the annual fee from Year 2 onwards will get 10,000 miles as a renewal bonus. Likewise, this works out to 1.9 cents per mile.