Why Trust MoneySmart?For starters, there is no single “best” miles credit card in Singapore. It strongly depends on your lifestyle, spending patterns, and travel goals.
The optimal card for you may be different for someone else, depending on whether you want straightforward miles earning, direct KrisFlyer crediting, or maximum miles for specific categories.
Below, we break down the top options by user profile to help you shortlist the best miles card for your needs.
For overall spenders and flexibility
If you want an all-purpose card that doesn’t require tracking spending categories, consider these top picks for steady, fuss-free miles earning:
Citi PremierMiles Card
Miles never expire—ideal for long-term planners
Earn ~1.2 miles per dollar (mpd) locally and 2.2 mpd for foreign currency spend
Enjoy two complimentary airport lounge visits per year
UOB PRVI Miles Card
1.4 mpd on local spend, 2.4 mpd on overseas spend—a leading rate for base earn
Four complimentary airport lounge visits per year
The American Express version includes additional travel perks for high spenders
DBS Altitude Visa Signature
DBS Points don’t expire (convertible to miles), making it good for casual or infrequent flyers
1.3 mpd locally, 2.2 mpd overseas
Two free airport lounge visits per year
These cards suit those who want predictable mpd, solid perks, and fewer hoops to jump through.
For frequent Singapore Airlines flyers
If you frequently fly Singapore Airlines (SIA) or Scoot, co-branded cards that credit miles directly to your KrisFlyer account are often the most seamless.
KrisFlyer UOB Credit Card
Up to 3 mpd for Singapore Airlines, Scoot, KrisShop, Kris+ and Pelago purchases
Up to 2.4 mpd on dining, food delivery, online shopping, online travel and transport spend
Miles credited straight to KrisFlyer—no conversion needed
American Express Singapore Airlines KrisFlyer Credit Card
1.1 mpd on local spend; 2 mpd on Singapore Airlines and Grab transactions
Attractive welcome bonus for new cardholders (i.e., Up to 11,000 Krisflyer miles)
Direct miles crediting to KrisFlyer
These options are best if you’re loyal to Singapore Airlines/Scoot and want minimal friction when redeeming rewards.
For strategic spenders
If you’re happy to maximise with a “category strategy” and track different cards for different spends, you can achieve higher miles per dollar.
HSBC Revolution Credit Card
No annual fee
Up to 4 mpd on online shopping and dining (certain categories only—check latest terms)
Strong for digital lifestyle spenders
Standard Chartered Journey Credit Card
3 mpd on transportation, food delivery, and online grocery merchants; 1.2 mpd on local spends; 2 mpd on eligible foreign spends
Best for transport, groceries, and food delivery expenditure
Two complimentary visits annually to priority pass lounges around the world
These cards suit optimisers willing to use multiple cards to get the highest return by spend category.
How to decide on the best card for you
Choosing the ideal miles card comes down to matching your profile to each card’s strength:
Where do you spend the most?
Heavy online or dining spenders may get more value from cards like HSBC Revolution.
Frequent overseas spenders benefit from higher overseas mpd like UOB PRVI Miles or Citi PremierMiles
Do you mostly fly with Singapore Airlines?
If yes, KrisFlyer UOB and Amex KrisFlyer cards offer direct miles crediting and Singapore Airlines/Scoot perks
Need lounge access?
Prioritise cards with complimentary passes (UOB PRVI Miles, Citi PremierMiles, DBS Altitude, SCB Journey)
Prefer flexible miles or maximum rates?
General miles cards convert to many airline partners; category cards can offer higher rates for specific spend
Planning large purchases?
UOB PRVI Miles has no miles cap, ideal for big-ticket spends
Ultimately, shortlist based on your real monthly spend and travel habits. Remember to revisit your chosen card annually as benefits and terms change.
