Best Air Miles Credit Cards Singapore 2024

Compare the best credit card for air miles to see which one benefits you the most based on your spending habits. Read More
We found 25 Credit Cards for you!
Sponsored
Citi PremierMiles Card
MoneySmart Exclusive
Faster Gift Redemption | Earn 2 Miles per S$1
Local Spend
S$1 = 1.2 Miles
All Foreign Currency Spend including Retail and Online
S$1 = up to 2 Miles
Selected Online Hotel and Flight bookings
S$1 = Up to 10 Miles

[FASTER GIFT FULFILMENT]
Get an Apple iPad (9th Gen), 64GB (worth S$508.30) or a Nintendo Switch OLED + S$60 Cash (worth S$609) or S$450 Lendlease E-Vouchers (can be used at 313@somerset, Jem, Parkway Parade, PLQ) or S$300 Cash via PayNow, in as fast as 6 weeks from meeting the S$500 spend criteria! T&Cs apply.

Valid until 31 May 2024 - See more details below
Apply Now
KrisFlyer UOB Credit Card
MoneySmart Exclusive
LUCKY DRAW | UP TO S$11,000 WORTH OF PRIZES!
on Singapore Airlines, Scoot, KrisShop, Kris+ purchases
S$1 = 3 Miles
on dining, food delivery, online shopping, online travel, and transport spend
S$1 = 3 Miles
on all other spend
S$1 = 1.2 Miles

[UP TO S$11,000 WORTH OF PRIZES]
Stand a chance to win up to 2 Grand Prizes when you apply through MoneySmart! No min. spend required! T&Cs apply.
 

  • A pair of Day 1 Category 1 Ticket for ASMeiR Max 2024 World Tour - Singapore (worth S$656)! [10 Winners]
  • Samsung Galaxy S24 Ultra 512GB (worth S$2,458) or 68,000 Air Miles (worth a Business Class Round Trip to Taiwan for 1) or a Sony WH-1000XM5 Headphones (worth S$589)! [3 Winners]

 
PLUS get up to 31,000 miles plus first year annual fee waived for new-to-UOB credit card customers who successfully apply for an eligible KrisFlyer UOB Credit Card and spend a min. of S$2,000 within 60 days of the card approval date on their card. T&Cs apply.

Valid until 31 May 2024 - See more details below
Apply Now
HSBC TravelOne Card
MoneySmart Exclusive
Earn up to 2.4 Miles | Instant Activation*
on Local Spend
S$1 = 1.2 miles
on Foreign Currency Spend
S$1 = 2.4 Miles
Travel Insurance coverage, Airport Lounge visits
Complimentary

Earn 3,950 SmartPoints or S$150 Cash via PayNow when you apply and spend a min. of S$500 from Card Account Opening Date to end of the following calendar month. T&Cs apply.
 
With 3,950 SmartPoints, unlock your favourite Apple iPhone 15, iPad 10, Macbook Air and more, at unbeatable prices. We've just restocked hot favourites at our Rewards Store, check them out before it's too late!

Valid until 31 May 2024 - See more details below
Apply Now
American Express Singapore Airlines KrisFlyer Credit Card
MoneySmart Exclusive
Convenience & Perks for Frequent Flyers
Local Spend
S$1 = 1.1 Miles
Overseas Spend during June and December, with no cap
S$1 = 2 Miles
on Eligible Grab transactions, capped at $200 per calendar month
S$1 = 3.1 Miles
New American Express cardholder can get up to 17,000 KrisFlyer miles (enough to redeem a Return Trip to Bali*) when you spend a min. of S$500 within the first month of card approval. T&Cs apply.
Valid until 29 May 2024 - See more details below
Apply Now
American Express Singapore Airlines KrisFlyer Ascend Credit Card
MoneySmart Exclusive
Convenience & Perks for Frequent Flyers
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 29 May 2024 - See more details below
Apply Now
Citi PremierMiles Card + Citi Wealth First Account
MoneySmart Exclusive
BUNDLE | SINGLE SEAMLESS APPLICATION JOURNEY
on Foreign Currency Spend
S$1 = Up to 2 Miles
on your Citi Wealth First Account
Up to 7.51% Interest
Application Journey for the Bundle
Single

[FLASH DEAL | GIVEAWAY]
Get a Apple iPad 9th Gen, 64GB + Apple Pencil 1st Gen (worth S$660), or a Sony HT-AX7 Portable Theatre System (worth S$769) or up to S$400* when you spend a min. of S$500 within a month on your credit card and open your Citi Wealth First account! No funding into the Citi Wealth First account is required for gift qualification! T&Cs apply.
 
PLUS get a Robinsons Luggage (worth up to S$300) on top of the baseline gift if you meet the relevant criteria!
 
Apply for both the Citi PremierMiles Card and the Citi Wealth First Account to qualify for this promo! If you're only keen on the PremierMiles card, apply here separately.

Valid until 31 May 2024 - See more details below
Apply Now
Standard Chartered Journey Credit Card (No Annual Fee)
MoneySmart Exclusive
Annual Fee Waived
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 - See more details below
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HSBC Revolution Credit Card
MoneySmart Exclusive
Earn up to 4 miles per S$1 | Instant Activation*
on Online Spend and Contactless Payments
S$1 = 10X Points
on All Other Spend
S$1 = 1X Point
Points to Miles Conversion for Selected Airline Partners
1 Point = 0.4 Miles

Earn 3,950 SmartPoints or S$150 Cash via PayNow when you apply and spend a min. of S$500 from Card Account Opening Date to end of the following calendar month. T&Cs apply.
 
With 3,950 SmartPoints, unlock your favourite Apple iPhone 15, iPad 10, Macbook Air and more, at unbeatable prices. We've just restocked hot favourites at our Rewards Store, check them out before it's too late!

Valid until 31 May 2024 - See more details below
Apply Now
The American Express® Singapore Airlines Business Credit Card
Online Promo
Ideal for frequent small business travellers
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:
Get up to 30,000 HighFlyer Points (worth S$285) from AMEX when you apply, pay the card's annual fee and spend a min. of $3,000 within first 3 months of card approval.

PLUS enjoy up to S$8,850 in Business Savings! T&Cs apply.
Valid until 31 Jul 2024 - See more details below
Apply Now
HSBC Visa Infinite Credit Card
Local Spend
S$1 = Up to 1.25 Miles
Overseas Spend
S$1 = Up to 2.25 Miles
for personalized assistance
Dedicated Concierge Service
Apply Now
UOB PRVI MASTERCARD Miles Card
MoneySmart Exclusive
LUCKY DRAW | UP TO S$11,000 WORTH OF PRIZES!
Local Spend
S$1 = 1.4 Miles
Overseas Spend
S$1 = 2.4 Miles
Selected Online Hotel and Flight bookings
S$1 = 6 Miles

[UP TO S$11,000 WORTH OF PRIZES]
Stand a chance to win up to 2 Grand Prizes when you apply through MoneySmart! No min. spend required! T&Cs apply.
 

  • A pair of Day 1 Category 1 Ticket for ASMeiR Max 2024 World Tour - Singapore (worth S$656)! [10 Winners]
  • Samsung Galaxy S24 Ultra 512GB (worth S$2,458) or 68,000 Air Miles (worth a Business Class Round Trip to Taiwan for 1) or a Sony WH-1000XM5 Headphones (worth S$589)! [3 Winners]

 
PLUS get up to 50,000 miles from UOB when you spend a min. of S$1,000 on their new UOB PRVI credit card for 2 consecutive months from card approval date, payable first-year annual fee and SMS registration required. T&Cs apply.

Valid until 31 May 2024 - See more details below
Apply Now
UOB Visa Infinite Metal Card
per S$1 spent locally
Earn 1.4 Miles
per S$1 spent in Foreign Currency
Earn 2.4 Miles
of miles conversion fee
Waiver
Apply Now
UOB PRVI Miles American Express Card
MoneySmart Exclusive
LUCKY DRAW | UP TO S$11,000 WORTH OF PRIZES!
Local Spend
S$1 = 1.4 Miles
Overseas Spend
S$1 = 2.4 Miles
Selected Online Hotel and Flight bookings
S$1 = 6 Miles

[UP TO S$11,000 WORTH OF PRIZES]
Stand a chance to win up to 2 Grand Prizes when you apply through MoneySmart! No min. spend required! T&Cs apply.
 

  • A pair of Day 1 Category 1 Ticket for ASMeiR Max 2024 World Tour - Singapore (worth S$656)! [10 Winners]
  • Samsung Galaxy S24 Ultra 512GB (worth S$2,458) or 68,000 Air Miles (worth a Business Class Round Trip to Taiwan for 1) or a Sony WH-1000XM5 Headphones (worth S$589)! [3 Winners]

 
PLUS get up to 50,000 miles from UOB when you spend a min. of S$1,000 on their new UOB PRVI credit card for 2 consecutive months from card approval date, payable first-year annual fee and SMS registration required. T&Cs apply.

Valid until 31 May 2024 - See more details below
Apply Now
Maybank Horizon Visa Signature
Online Promo
on Air Tickets and Foreign Currency Spend
S$1 = 7X Points
on local Shopping, Groceries, Dining, Hotel Bookings
S$1 = 3X Points
Rewards to Miles Conversion for Selected Airline Partners
1 Point = 0.4 Miles
Online Promo:
Receive a Samsonite ENOW SPINNER 69/25 EXP (worth S$570), or 10,000 Bonus Air Miles*, or an Apple AirPods (3rd generation) with Lightning Charging Case, or S$200 Cashback when you apply for a new Maybank Credit Card and spend a min. of S$600 in Eligible Transactions each month for the first two consecutive months upon card approval. T&Cs apply.
Valid until 31 May 2024 - See more details below
Apply Now
DBS Altitude Visa Signature Card
Earn Miles That Never Expire
Local Spend
S$1 = 1.3 Miles
Overseas Spend (made in foreign currency)
S$1 = 2.2 Miles
On Travel Spend at Agoda
S$1 = Up to 4.3 Miles
Apply Now
DBS Woman's World Card
on Online Purchases
S$5 = 10 DBS Points (equivalent to 4 Miles per S$1)
on Overseas Purchases
S$5 = 3 DBS Points (equivalent to 1.2 Miles per S$1)
on All Other Spend
S$5 = 1 DBS Point (equivalent to 0.4 Miles per S$1)
Apply Now
DBS Vantage Visa Infinite Card
Online Promo
Miles or Cashback – you decide
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 - See more details below
Apply Now
UOB PRVI VISA Miles Card
MoneySmart Exclusive
LUCKY DRAW | UP TO S$11,000 WORTH OF PRIZES!
Local Spend
S$1 = 1.4 Miles
Overseas Spend
S$1 = 2.4 Miles
Selected Online Hotel and Flight bookings
S$1 = 6 Miles

[UP TO S$11,000 WORTH OF PRIZES]
Stand a chance to win up to 2 Grand Prizes when you apply through MoneySmart! No min. spend required! T&Cs apply.
 

  • A pair of Day 1 Category 1 Ticket for ASMeiR Max 2024 World Tour - Singapore (worth S$656)! [10 Winners]
  • Samsung Galaxy S24 Ultra 512GB (worth S$2,458) or 68,000 Air Miles (worth a Business Class Round Trip to Taiwan for 1) or a Sony WH-1000XM5 Headphones (worth S$589)! [3 Winners]

 
PLUS get up to 50,000 miles from UOB when you spend a min. of S$1,000 on their new UOB PRVI credit card for 2 consecutive months from card approval date, payable first-year annual fee and SMS registration required. T&Cs apply.

Valid until 31 May 2024 - See more details below
Apply Now
American Express The Platinum Card®
MoneySmart Exclusive
Earn Membership Rewards Points that never expire
for every S$1.60 spent with Singapore Airlines and Scoot
Earn 5 Membership Rewards® Points
for every S$1.60 spent with 10Xcelerator by Membership Rewards®
Earn 20 Membership Rewards® points
on Membership Rewards® Points
No Expiry Date
New American Express cardholders can receive a S$200 eCapitaVouchers or Samsonite Choca Spinner 68/25 (worth S$700) on top of the welcome offer with annual fee payment.

New and Existing cardholder can get up to 135,000 Membership Rewards® points
(sufficient for a Return Trip to USA West Coast*) by paying the annual fee and spending a minimum of S$6,000 within the first 2 months of card approval. T&Cs apply.
Valid until 29 May 2024 - See more details below
Apply Now
DBS Altitude American Express Card
Online Promo
Earn Miles That Never Expire
Local Spend
S$1 = 1.3 Miles
Overseas Spend (made in foreign currency)
S$1 = 2.2 Miles
On Travel Spend at Agoda
S$1 = Up to 4.3 Miles
Online Promo:
Get up to 60,000 miles when you apply, pay the card's annual fee and charge a min. spend of S$3,000 within 60 days from card approval date. T&Cs apply
Valid until 31 May 2024 - See more details below
Apply Now

Disclaimer: At MoneySmart.sg, we strive to keep our information accurate and up to date. This information may be different than what you see when you visit a financial institution, service provider or specific product’s site. All financial products and services are presented without warranty. Additionally, this site may be compensated through third party advertisers. However, the results of our comparison tools which are not marked as sponsored are always based on objective analysis first.

Best Credit Card in Singapore 2024

Credit CardBest ForReward Type
Citi Cash Back CardSavings on dining, grocery and grab spendingsCashback
Citi PremierMiles CardEarning bonus miles that do not expireMiles
American Express Singapore Airlines KrisFlyer Ascend Credit CardConvenience and perks for frequent flyersMiles
Standard Chartered Simply Cash Credit CardUnlimited cashback with Ez-link capabilitiesCashback
UOB One CardCard and Savings Account BundleCashback
DBS Live Fresh CardHighest cashback on any contactless paymentCashback
HSBC Advance Credit CardNewlyweds and married couplesCashback
American Express The Platinum Card®High Net-worth IndividualsReward Points
UOB EVOL Credit CardDining and EntertainmentCashback
Standard Chartered Smart Credit CardNetflix, Spotify, fast food dining and public transportCashback

With SmartRewards, you can earn SmartPoints and choose any gift from our Rewards store.

What you can get using Smartpoints

Compare Credit Cards for Everyday Use

When comparing the best credit cards for 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 Card: Use for online hotel and flight bookings
  2. UOB PRVI Miles Card: Use for general local spend
  3. American Express Singapore Airlines KrisFlyer Card: Use for earning KrisFlyer miles

Cashback

Cashback Credit Cards

  1. Citi Cash Back Card: Use for grocery shopping worldwide
  2. Standard Chartered Simply Cash Credit Card : Use for unlimited cashback
  3. OCBC 365 Credit Card: Use for spending on everyday dining

Reward Points

Reward Points Credit Cards

  1. Citi 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

The Ultimate List of Credit Card Reviews in Singapore

Delve into the intricacies of credit card offerings, dissecting features, fees, rewards, and everything in between. We’ve done the dirty work so you don’t have to.

Visa Card vs Mastercard vs American Express

At some point in your life, you’ll probably wonder if there’s a difference between a Visa card and Mastercard (and maybe American Express). Visa, Mastercard and Amex are the 3 big global payment networks. This means they handle all the technical back-end stuff that makes it possible to pay with your credit card anywhere in the world. Visa and Mastercard are extremely widely accepted worldwide, both online and offline. Both payment networks are easy and secure to use. Visa has a slight edge in terms of acceptance, but really, you’ll be fine with either. American Express is a bit less widely accepted globally. It’s in 140 countries compared to Visa and Mastercard’s 200+. However, many people still love using Amex because they have an excellent reputation for customer care. Whichever payment network you choose, you can get a credit card from a bank like DBS or UOB. Note that American Express also issues its own credit cards, even though it’s not a bank.

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 behaviour” with your credit card can come back to haunt you in the form of a bad credit score.

Which Credit Card is the Best in Singapore?

With so many credit cards in Singapore to choose from, it can be difficult to narrow down the best credit cards to suit your lifestyle. Unfortunately, there’s no single best credit card in Singapore. You’ll have to choose the best one for you. Here’s how:

Find a card that fits your spending habits

Think about your current lifestyle and spending habits. What are the things you spend the most money on? For example, if you’re a real foodie and love checking out new restaurants around town, then it makes sense to get a card with rewards points for dining out and useful perks like 1-for-1 buffet promotions.

Plan how to use your credit card benefits

Credit cards come with a whole bunch of benefits, so think about which benefits you actually want to use. Do you want to collect air miles and fund your upcoming travels? Or accumulate points for shopping vouchers? Or would you rather enjoy cash rebates? This is a deeply personal matter - only you can decide how you prefer to be rewarded. Make use of the ongoing credit card promotions to enjoy the full benefits of the card rewards on top of the promotion offer.

Check the Terms & Conditions

Now that you’ve got a shortlist of credit cards, it’s time to dig deeper into the details of the rewards or air miles programmes. Find out all you can about terms and conditions like expiry dates, exclusions, minimum spend, credit limit, etc. Be sure to ask a bank rep to clarify if you don’t see answers anywhere.

Annual Fees are NOT the Only Credit Card Fee!

Annual fees aren’t the only type of credit card charges you might be paying. Many of these other common fees will impact the benefits you earn, so be mindful of them and actively monitor your spend.

Foreign Transaction Fees

This is a fee imposed on overseas spending - whether it’s while you’re traveling or even when making an online purchase on a foreign website. This is usually 2.5% to 3% on top of the prevailing foreign exchange rate.

Cash Advance Fees

Some credit cards allow you to withdraw cash from ATMs, using your credit line. Be prepared to fork out up to 6% of the transaction amount, plus 2%+ daily charges on unpaid withdrawn balance.

Balance Transfer Fees

Charged when you move a balance from one card to another, usually 2% to 4% of the amount transferred.

Frequently Asked Questions

How do credit cards work?

A credit card is basically a way to borrow money from a bank to make purchases. Unlike a bank loan, a credit card “loans” money in smaller amounts and on a short-term basis, requiring you to pay the bank back monthly (or be subject to unpleasant penalties and interest fees). The biggest payment networks are MasterCard, VISA and American Express, but do note that merchants may not accept all types.

How do I apply for a credit card?

Simply fill out an application online or at a bank branch and submit the required documents such as proof of income. After approval, the bank will inform you about how much you are allowed to borrow and mail you your new credit card. You’ll need to activate the credit card as well as sign on the back.

What’s the difference between debit cards and credit cards?

Unlike credit cards, debit cards do not involve any borrowing. They are linked to your bank account, so purchases made on your debit card are paid for by deducting straight from your funds. You must have sufficient funds on hand to use your debit card. If you have a credit card, you can borrow the money for the time being and pay it back later.

How to prevent credit card fraud?

There’s no sure-fire way to prevent credit card fraud, so unfortunately holding a credit card also means being vigilant about making sure it doesn’t end up in the wrong hands. Make use of credit card alerts, monitor your transactions closely, be wary of phishing scams and don’t make it easy for others to get hold of your credit card information.

What should I do with my credit card statement?

It might not be the most fun thing to read, but it IS super important to understand your credit card statement. So don’t throw it away without checking it. Of course, after reading the statement you will have to pay your bill – typically through online banking, though some people use ATMs, SAMs, AXS machines or go to the bank in person.

What if I only make the minimum payment on my bill?

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%+)

What are the hidden credit cards benefits?

Did you know? Credit cards benefits include travel insurance coverage and rental car insurance and many other perks such as access to airport lounges however these benefits can vary depending on the credit card issuer and card type. If you are looking for the best car insurance quotes, our specialists will find it for you!

What are SmartPoints?

SmartPoints is MoneySmart’s reward currency. Earn SmartPoints when you apply for financial products through MoneySmart or when you complete actions on MoneySmart. SmartPoints will be credited to your wallet where eligible. You can then use the SmartPoints in your wallet to redeem gifts from the Rewards Store or even convert them to cash.

What can I use SmartPoints for?

SmartPoints can be used to redeem gifts from the Rewards Store or even convert them to cash.