Compare the Best Air Miles Credit Cards in Singapore 2023

Compare the best credit card for air miles to see which one benefits you the most based on your spending habits. Read More
Filters

Refine Your Results

Promotions
Card Association
Reset Filter
Providers
We found 23 Credit Cards for you!
Recommended
Sponsored
Citibank logo
MoneySmart Exclusive
$1 = Up to 4 Miles (Limited Time Only)

Citi PremierMiles Card

Local Spend
S$1 = 1.2 Miles
All Foreign Currency Spend including Retail and Online (Limited Time Only*)
S$1 = up to 4 Miles*
Selected Online Hotel and Flight bookings
S$1 = Up to 10 Miles

Apply and Spend $500 to get an Apple iPad 10.2-inch 64GB, 9th Gen (worth $503.65) OR a Nintendo Switch OLED (worth S$479) OR a Sony WH-1000XM5 Wireless Noise Cancelling Headphones (worth S$575) OR S$300 Cash via PayNow. T&Cs apply.

Valid until 12 Jun 2023 - See more details below
Promotion ends in
Apply Now
Apply Now
image
image
More Details
Standard Chartered logo
Online Promo
Up to 45K Miles Welcome Offer

Standard Chartered Journey Credit Card

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
Online Promo:
Earn up to 45,000 miles when you sign up for the Journey Credit Card. T&Cs apply.
Valid until 30 Sep 2023 - See more details below
Apply Now
More Details
HSBC logo
Online Promo
Instant Rewards Redemption

HSBC TravelOne Card

on Local Spend
S$1 = 1.2 miles
on Foreign Currency Spend
S$1 = 2.4 Miles
Exclusive launch welcome gift till 31 Aug 2023. T&Cs apply
Receive 20,000 Miles (awarded in the form of 50,000 Reward Points)
Online Promo:
Receive up to 20,000 Miles (in the form of 50,000 Rewards Points) when you successfully apply for the HSBC TravelOne Card, pay the Card Annual Fee of S$194.40 (including GST), and spend a min. of S$800 in qualifying transactions! T&Cs apply.
Valid until 31 Aug 2023 - See more details below
Apply Now
More Details
American Express logo
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
Get up to 21,500 worth of KrisFlyer Miles (worth a return trip to Bali or 1-way trip to Perth/Darwin via Singapore Airlines) from Amex when you apply. Min. spends of S$1,000 within first month of card approval and payable annual fee required. T&Cs Apply.
Valid until 03 Jul 2023 - See more details below
Apply Now
More Details
HSBC logo
Online Promo
Earn Points for Everyday Spending

HSBC Revolution Credit Card

on Online Spend and Contactless Payments
S$1= 10X Points
on All Other Spend
S$1= 1X Point
Rewards to Miles Conversion for Selected Airline Partners
1 Point = 4 Miles
Online Promo:
Receive Samsonite Prestige 69cm Spinner Exp with built-in scale (worth SGD670) or SGD150 cashback for new HSBC cardmembers. Existing HSBC cardmembers receive $50 cashback. Min. spends of S$1,000 upon card approval required. T&Cs apply.
Valid until 31 Aug 2023 - See more details below
Apply Now
More Details
UOB logo
Online Promo
Earn Miles on Everyday Spending | FLASH DEAL

KrisFlyer UOB Credit Card

on Singapore Airlines, SilkAir, Scoot and KrisShop
S$1 = 3 Miles
on dining, food delivery, online shopping and travel, and transport spend
S$1 = 3 Miles
on all other spend
S$1 = 1.2 Miles
Online Promo:
Get up to 31,000 Miles plus first year annual fee of S$194.40 (inc GST) waived when you successfully apply for a UOB personal KrisFlyer UOB Credit Card and spend a min. of S$2,000 within 60 days from card approval date on their new KrisFlyer UOB Credit Card. T&Cs apply. 
Valid until 30 Jun 2023 - See more details below
Apply Now
More Details
DBS logo
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:
For a limited time only till 30 June 2023, get up to 60,000 miles when you sign up with promo code VANMILES 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 30 Jun 2023 - See more details below
Apply Now
More Details
DBS logo
Online Promo
Earn Miles That Never Expire

DBS Altitude Visa Signature Card

Local Spend
S$1 = 1.2 Miles
Overseas Spend
S$1 = 2 Miles
Staycation bookings
S$1 = 10 Miles
Online Promo:
Welcome Gift: Get S$150 Cashback when you apply with promo code 150CASH and make the min. spend of S$800 within 60 days of card approval. T&Cs apply.
Valid until 30 Jun 2023 - See more details below
Apply Now
More Details
OCBC logo
Online Promo
Earn Miles That Don't Expire

OCBC 90°N Card

on Agoda accommodations worldwide
S$1 = Up to 7 Miles
on Foreign Currency spend
S$1 = 2.1 Miles
on Local spend
S$1 = 1.3 Miles
Online Promo:
Apply and spend S$500 within 30 days from card approval to get a Samsonite Polygon Spinner 28" Luggage (worth S$640) OR spend S$1,000 for 2 consecutive months within 60 days from card approval to receive S$250 Cashback. T&Cs apply.
Valid until 30 Jun 2023 - See more details below
Apply Now
More Details
OCBC logo
Online Promo

OCBC 90°N Visa Card

on Agoda accommodations worldwide
S$1 = Up to 7 Miles
on Foreign Currency Spend
S$1 = 2.1 Miles
on Locan Spend
S$1 = 1.3 Miles
Online Promo:
Apply and spend S$500 within 30 days from card approval to get a Samsonite Polygon Spinner 28" Luggage (worth S$640) OR spend S$1,000 for 2 consecutive months within 60 days from card approval to receive S$250 Cashback. T&Cs apply.
Valid until 30 Jun 2023 - See more details below
Apply Now
More Details
UOB logo
Online Promo
FLASH DEAL

UOB PRVI MASTERCARD Miles Card

Local Spend
S$1 = 1.4 Miles
Overseas Spend
S$1 = 2.4 Miles
Selected Online Hotel and Flight bookings
S$1 = 6 Miles
Online Promo:
Get up to 50,000 miles when you successfully apply for a UOB PRVI Miles Card and 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. Receive an additional 4,800 miles with min. overseas spend of S$1,000 per month for 2 consecutive months. T&Cs apply.
Valid until 30 Jun 2023 - See more details below
Apply Now
More Details
HSBC logo

HSBC Visa Infinite Credit Card

Local Spend
S$1 = Up to 1.25 Miles
Overseas Spend
S$1 = Up to 2.25 Miles
Welcome Gift
35,000 Miles
Apply Now
More Details
DBS logo
Online Promo

DBS Woman's World Card

N/A
N/A
N/A
Online Promo:
Welcome Gift: Get S$150 Cashback when you apply with promo code 150CASH and make the min. spend of S$800 within 60 days of card approval. T&Cs apply.
Valid until 30 Jun 2023 - See more details below
Apply Now
More Details
UOB logo
Online Promo
FLASH DEAL

UOB PRVI Miles American Express Card

Local Spend
S$1 = 1.4 Miles
Overseas Spend
S$1 = 2.4 Miles
Selected Online Hotel and Flight bookings
S$1 = 6 Miles
Online Promo:
Get up to 50,000 miles when you successfully apply for a UOB PRVI Miles Card and 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. Receive an additional 4,800 miles with min. overseas spend of S$1,000 per month for 2 consecutive months. T&Cs apply.
Valid until 30 Jun 2023 - See more details below
Apply Now
More Details
UOB logo
Online Promo
High Miles Earn Rate | FLASH DEAL

UOB PRVI VISA Miles Card

Local Spend
S$1 = 1.4 Miles
Overseas Spend
S$1 = 2.4 Miles
Selected Online Hotel and Flight bookings
S$1 = 6 Miles
Online Promo:
Get up to 50,000 miles when you successfully apply for a UOB PRVI Miles Card and 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. Receive an additional 4,800 miles with min. overseas spend of S$1,000 per month for 2 consecutive months. T&Cs apply.
Valid until 30 Jun 2023 - See more details below
Apply Now
More Details
Maybank logo
Online Promo

Maybank Horizon Visa Signature

on Dining, Petrol, Taxi and Hotel Bookings at Agoda
S$1 = 3.2 Miles
on Air Tickets, Travel Packages and Foreign Currency Spend
S$1 = 2 Miles
Rewards to Miles Conversion for Selected Airline Partners
1 Point = 0.4 miles
Online Promo:
Get $200 cash credit OR an Apple AirPods 3rd Generation (worth S$261.40) OR a pair of American Tourister Linex 66/24 Luggage TSA (worth S$336) when you successfully apply for an Eligible Maybank Credit Card AND a CreditAble account, and spend a min. of S$600 on Eligible Transactions each month for 2 consecutive months from card approval date. T&Cs apply.
Valid until 30 Jun 2023 - See more details below
Apply Now
More Details
American Express logo
MoneySmart Exclusive
Upsized Rewards Points (Limited Period Only)

American Express The Platinum Card®

for every S$1.60 spent with Singapore Airlines and Scoot
Earn 5 Membership Rewards® Points
Rewards to Miles Conversion for Singapore Airlines and more
1 Point = 0.625 Miles
on Membership Rewards® Points
No Expiry Date
Get up to 113,750 worth of Membership Rewards® points (worth 1-way Business Class trip to Japan or Korea via Singapore Airlines) from Amex when you apply. Min. spends of S$15,000 within first 3 months of card approval and payable annual fee required. T&Cs Apply.
Valid until 14 Jun 2023 - See more details below
Apply Now
More Details
DBS logo
Online Promo
Earn Miles That Never Expire

DBS Altitude American Express Card

Local Spend
S$1 = 1.2 Miles
Overseas Spend
S$1 = 2 Miles
Staycation bookings
S$1 = 10 Miles
Online Promo:
Welcome Gift: Get S$150 Cashback when you apply with promo code 150CASH and make the min. spend of S$800 within 60 days of card approval. T&Cs apply.
Valid until 30 Jun 2023 - See more details below
Apply Now
More Details
Bank of China logo

BOC Elite Miles World Mastercard®

Local Spend
S$1 = 1 Mile
Overseas Spend
S$1 = 2 Miles
Rewards to Miles Conversion
1 Point = 0.33 Miles
Read More
More Details
UOB logo
FLASH DEAL

UOB Lady's Card

on Selected Categories
S$1 = 6 Air Miles
Capped per calendar month
2,800 UNI$ (or $1,000 spent)
Min. Spend
0
Apply Now
More Details

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 2023

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 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

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. UOB One Card: Use for pumping petrol at SPC and Shell
  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

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.

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.

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.

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.

What customers are saying about our credit cards (From Google Reviews)

⭐⭐⭐⭐⭐

Review by Nguyen Tung Lam

"Applying for credit card and claiming gift was a smooth and pleasant process that was all done online. The wait for the gift was not terribly long either. I'm a happy customer :) "

As seen on Google

⭐⭐⭐⭐⭐

Review by Dominic Koh

"Been signing up for my credit cards through Moneysmart, seamless process everytime. I personally prefer the sign up gifts offered by Moneysmart, and fulfilment of the gifts has not been an issue so far. Keep it up Moneysmart team!"

As seen on Google

⭐⭐⭐⭐⭐

Review by Jude Lu

"Great credit card promotions! I needed some help with some of their campaign rewards and my email was replied within 1 business day. Thanks!"

As seen on Google

Frequently Asked Questions

Are there any special deals or promotions for credit cards?

If you apply for a Standard Chartered Smart Credit Card, you can get S$330 Cash via PayNow OR an Everdesk Lite+ Standing Desk (worth S$619) OR Sony WH-1000XM5 Wireless Noise Cancelling Headphones (worth $575) OR Apple Watch SE (worth S$382.50). Promotion ends by 31 May 2023. You can find all the credit card promotions here.

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!