Last updated: January 2025
Key Takeaways:
- Miles credit cards in Singapore offer rewards for spending, redeemable for travel expenses.
- Different cards cater to varying needs, from beginners to luxury travelers.
- Annual fees, mile earning rates, and additional perks vary by card.
Which Miles Credit Card Should You Use in Singapore?
In Singapore, choosing the right miles credit card depends on your travel habits and spending patterns. The Citi PremierMiles Visa is recommended for beginners, while the Standard Chartered X Card offers exclusive perks for a higher fee. For the best mile rates on local and overseas spending, consider the UOB PRVI Miles Card. Each card has unique benefits, so assess the annual fees, rewards rates, and additional perks to find the best fit for your lifestyle.
Introduction:
Travel enthusiasts in Singapore, seeking to maximize their spending rewards, face a plethora of miles credit card options. These cards not only facilitate your wanderlust with miles for every dollar spent but also offer diverse perks tailored to different types of travelers. From the beginner-friendly Citi PremierMiles Visa to the luxurious HSBC Visa Infinite, this guide helps you navigate the skies of credit card rewards, ensuring every purchase brings you closer to your next adventure.
Here are some of our top picks on:
How Do Credit Card Miles Work?
Well, not everyone knows what credit card miles are and their advantages. Credit card miles are a type of benefit you acquire through loyalty programs.
It is usually given to users as a form of reward for using a credit card to spend. With this, the more you use your credit card to buy and spend on numerous things, the more miles or points you collect and obtain.
Through this card, you are eligible to redeem points to pay for your travel expenses. Such costs may include airfare, hotel stays, or even local transport.
You only need to note that it is the credit card issuer and the airline that defines the value of each mile. Thus, the amount and value differ depending on the type of credit card that you have.
As a tip, you may opt to obtain a credit card from an issuer with a tied program with a specific airline. This way, you’ll have the chance to redeem rewards for seat upgrades, free companion tickets, and even priority boarding.
If you are now ready to travel, take a look at these top air miles cards you can find in Singapore:
| Credit Card Miles Issuer | Best For | Annual Fee |
|---|---|---|
| Citi PremierMiles Visa | All-in-one card best for beginners | $192.60 |
| Standard Chartered X | Privileges and sign-on bonus | $695.50 |
| UOB PRVI Miles Card | Best miles rate for both local and overseas spending | $256.80 |
| OCBC 90°N Card | Non-expiring card | $192.60 |
| American Express Singapore Airlines KrisFlyer Card | No redemption fee with bonus miles upon registration | $176.55 |
| Maybank Horizon Card | Top choice for local and public transport spending | $180 |
| DBS Altitude Visa | Luxury travel perks for a low price | $192.60 |
| OCBC Voyage Card | Best for people with irregular travel schedule and flexible redemption | $488 |
| HSBC Visa Infinite | Unlimited airport lounge access and immigration benefits | $650 |
| Citi Prestige MasterCard | Luxury perks and travel insurance | $535 |
10 Recommended Miles Credit Card in Singapore
1. Citi PremierMiles Visa – Most Recommended Miles Card for New Users
Citi PremierMiles Visa – Miles Credit Card Singapore
If you are only starting with an air miles card, the Citi PremierMiles Visa is the perfect one to begin with. It is suited for average consumers as it is well-rounded and accessible, with a good balance of rewards and bonus miles.
The Citi PremierMiles Card is one of the oldest- yet outstanding- miles cards you can find in the market because it has a wide variety of transfer partners, and the card doesn’t expire. It also provides luxurious perks as it allows lounge access and travel insurance.
The PMV Card has an annual fee of $192.6 that is waived for the first year. This price is lower than most miles cards considering the benefits you can make use of. For new cardholders, you will also receive a welcoming bonus of 21,000 miles worth $210. You also get two complimentary lounge visits and travel insurance through this card every year. The miles you acquire also do not expire.
Singaporean residents are eligible to apply for this card if they are at least 21 years old and earn $30,000. Foreigners can also apply to use it as long as they have an annual income of at least $42,000.
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2. Standard Chartered Visa Infinite X Metal Credit Card
Standard Chartered Visa Infinite X Metal Credit Card – Miles Credit Card Singapore
Are you looking for exclusive perks and hotel privileges you cannot get from other credit cards? Starting from free room upgrades from the best hotels in the world, you also get discounts on self-drive rental cars.
Moreover, this miles card provides a 30,000 worth of miles bonus to its cardholders upon paying the annual fees. With this, you’ll be able to enjoy the hotel rooms in Mandarin Oriental and even The St. Regis like a boss. Another highlight this miles card offers is that it allows flexible redemption.
However, such premium privileges come with a price. Its annual fee costs $695.50. Aside from a relatively higher cost than other air miles cards, applying for the card is also problematic. To be qualified, you must be at least 21 years old and have an income minimum of $80,000.
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3. UOB PRVI Miles Card
UOB PRVI Miles Card – Miles Credit Card Singapore
The UOB PRVI Miles Card is on top of the favorites as it offers the best rates you can have for both local and international spending. Moreover, it also provides reasonable credit miles per dollar rate. In terms of overseas spending, the card offers a rate of 2.4 miles per dollar. On the other hand, it has 1.4 miles per $1 local spending.
Upon signing up, you will have the chance to select among American Express, MasterCard, and Visa. Depending on your choice, you’ll have an exclusive benefit upon signing up. For example, the American Express version proposes 20,000 credit miles for you to have as long as you meet its annual spending.
You may also opt for this card if you anticipate a big expense that is coming your way. If there is an upcoming event or occasion, you may make use of this card so that you’ll also receive rewards from the points you’ll acquire. From free airport transfers to dining privileges, this card could help you get such travel perks.
4. OCBC 90°N Card
OCBC 90°N Card – Miles Credit Card Singapore
Upon looking into the receipts of your spending, you may sometimes wish to get something in return. You may want to acquire points to redeem or have cashback to save. Having such high spending, it is not unusual to seek such perks. With all these, the OCBC 90°N Card might be the card you are looking for if you wish to acquire such benefits.
The OCBC 90°N Card allows you to earn rewards through traveling. You may opt to collect air miles or choose cash rebates. For every local spending, you may earn 1.2 miles for every dollar spent. On the other hand, you acquire 2.1 credit card miles when a dollar is spent overseas.
What makes the OCBC 90°N Card remarkable is that you never need to pay conversion fees. As you continue to earn miles and cashbacks, you wouldn’t have to worry about additional expenses. Moreover, you may continue to collect more points and rewards as they would never expire. The annual fee is only $192.60, and you get to enjoy the perks for both local and overseas travel.
5. American Express Singapore Airlines KrisFlyer Card
American Express Singapore Airlines KrisFlyer Card – Miles Credit Card Singapore
One of the inconveniences with having credit cards is that you have to pay a redemption fee. Such extra payment would allow you to convert your points or miles. Good thing, the Amex card requires no redemption fee.
The American Express Singapore Airlines KrisFlyer Card is also great for starters. Each holder gains 1.1 miles per every dollar spent locally and 2 miles for international. If you are an avid Grab user, you can acquire 3.1 miles on every transaction. Moreover, you could quickly receive bonus miles for some of your daily transactions, such as purchasing items at Starbucks and Mcdonald’s.
Aside from not having transfer or processing fees, it also requires a reasonable annual price. The cost is only $176.55, and the payment is waived in the first year. Once you desire to travel, you may redeem free travel insurance and selected privileges from Amex. To acquire these outstanding perks, a Singaporean resident at least 21 years old must have an income of $30,000. For expats, the minimum is $60,000.
6. Maybank Horizon Card
Maybank Horizon Card – Miles Credit Card Singapore
Are you someone who spends most on your daily transactions such as local dining, public transport, hotels, and petrol?
Or are you the type of person who loves to go abroad and make use of various travel packages? If you are this kind of person, the Maybank Horizon Card might be the one you should look into.
The Maybank Horizon Card is known for having one of the best miles rates for local spending. By simply purchasing the most common things, you get to earn 3.2 credit card miles. Such a rate is considered higher than most air miles cards available.
However, it is necessary to spend a minimum of $300 for every calendar month to receive the miles. This is the requirement set by Maybank as it didn’t require minimum spending.
Another highlight of this card is that it only has an annual fee of $180. Instead of the usual one-year waiver of fees, the Horizon Card waives the fee for three years. Moreover, if you have annual spending of at least $18,000, your fee may also be waived. Thus, you wouldn’t have to waste your money by only signing up for such a card. All you have to do is increase your local or international spending on other things, and you wouldn’t have to pay extra fees.
7. DBS Altitude Visa
