SingSaver’s Best Metal Steel Credit Cards

Picture this: You're at a trendy cafe in Orchard Road, enjoying brunch with friends. The bill arrives, and as you reach for your wallet, a sleek metal credit card catches the light. With a confident flick of the wrist, you place it on the table, the satisfying clink echoing through the cafe.

Heads turn. Your friends raise their eyebrows in admiration. You're not just paying for brunch; you're making a statement.

Metal credit cards in Singapore have become more than just a payment tool. They represent a certain level of sophistication, a discerning taste for the finer things in life. But beyond the cool factor, these cards offer a host of tangible benefits, from generous rewards programmes and airport lounge access to exclusive lifestyle privileges and concierge services.

However, don't be fooled by the weight alone. While some metal cards are hefty and substantial, others are surprisingly lightweight. The true value lies in the features and benefits they offer, not just their physical form.

Let's explore some of the best metal credit cards available.

>> More: The Four Most Exclusive Credit Cards in Singapore

In terms of flexibility, DBS Vantage allows cardholders to switch flexibly between 2.2 mpd or 2.2% cashback (for overseas spending). 

With an S$120,000 annual income requirement, this card may not be for everyone but consider getting this lifestyle travel card if you appreciate the finer things in life. 

For instance, apart from the exclusive DiningCity perks at 50 restaurants including Michelin-awarded restaurants, there is also a complimentary Accor Plus Explorer Membership which gifts you one hotel night stay. 

Car owners can also save up to 19% off on fuel spending at Esso. 

For avid travellers who relish planning your trips online, you'll earn up to 6 miles per S$1 on Expedia bookings. 

New cardmembers will also receive 80,000 miles upon card approval and activation.

As its name may suggest, the Citi Prestige Card offers spectacular travel and lifestyle perks that could possibly pay for itself in no time. Just to highlight a few, cardmembers can enjoy benefits such as unlimited airport lounge access worldwide, unlimited complimentary 4th-night free hotel or resort stay globally, complimentary golf games, welcome bonus of 50,000 bonus miles when you pay the annual fee, and more. 

While its miles earning rate stands at 1.3 mpd for local spend and 2 mpd for overseas spend, Citi banking customers with Citigold/Citigold Private Client relationship can receive up to 30% additional annual Relationship Bonus, depending on their spending and relationship built with the bank. 

Another point to note? You can earn unlimited, flexible, expiry-free ThankYou Points with the Citi Prestige Card. 

Want to dip your feet into the world of metal cards but aren’t quite ready to splurge on it just yet? Consider the OCBC Voyage Card. All you have to do is pick the S$492.50 annual fee option, which comes with 15,000 VOYAGE miles. The S$3,240 option comes with a whopping 150,000 VOYAGE miles! 

​​Apart from being the most affordable metal card in this crowd, the OCBC Voyage Card offers the most generous miles earning rate for overseas spend: it lets you earn 2.2 mpd on foreign currency spend and 1.3 mpd locally. OCBC Premier, OCBC Premier Private Client and Bank of Singapore VOYAGE Card will earn 1.6 mpd locally and 2.3 mpd on foreign currency spend. 

The UOB Visa Infinite Metal Card offers 1.4 mpd for local spends and 2.4 mpd for overseas spend.

Aside from unlimited airport lounge access for you and one guest via Dragon Pass, you also enjoy a slew of benefits, including top-notch concierge and support services anywhere, anytime, and your dedicated UOB Visa Infinite Concierge, which is available 24/7 no matter where you are to assist you from reserving seats at Michelin-starred restaurants to purchasing luxury items. 

The UOB Travel Concierge can help you with anything travel-related while the UOB Medical Concierge offers 24-hour toll-free access to premier medical concierge services supported by Parkway Hospitals Singapore. Say hello to fast-tracked appointment scheduling, finding proper medical specialists and more. 

You can even consult a doctor without leaving the comfort of your home via the WhiteCoat app whenever you are feeling under the weather. How does this work? You’ll be connected to an in-house Singapore-registered GP in no time. The convenience doesn’t stop there. Within 90 minutes, you can expect to receive your prescribed medication at your doorstep. If that’s not impressive, I don’t know what else is.

Mile earning rates

Let’s first look at how many miles each of these cards earns for local and overseas spending. The numbers are quite tight here (except for the AMEX Platinum Charge, which clearly isn’t a miles-earning powerhouse), with local earn rates between 1.2-1.4 mpd, and overseas rates between 2.0-2.2 mpd. 

Metal Card	Local Miles per Dollar	Overseas Miles per Dollar
Citi Prestige Card	1.3	2.0
OCBC Voyage	1.3	2.2
UOB Visa Infinite Metal Card	1.4	2.0
AMEX Platinum Charge Card	0.78	1.95 (if you spend on SQ or Scoot)

Miles with annual fee

In addition to earning miles from your everyday spending, you can also receive miles by paying the annual fee on most of these cards.

Metal Card	Annual Fee (Miles)	Cents per Mile
Citi Prestige Card	S$545 (50,000)*	1.09
OCBC Voyage Card	S$3,278 (150,000) or S$498 (15,000)	2.18 or 3.32
UOB Visa Infinite Metal Card	S$654 (25,000)	2.61
AMEX Platinum Charge Card	S$1,744 (Bonus miles amount subject to ongoing promotions)	N.A

*Welcome offer: Spend min. S$2,000 in first 2 months of card application + pay annual fee. For new Citi Prestige cardmembers only.

The Citi Prestige and OCBC Voyage offer the lowest cents per mile between 1.09 to 3.32 cents. This is followed by the UOB Visa Infinite Metal Card at 2.61 cents per mile. 

It’s worth mentioning that the AMEX Platinum Charge doesn’t actually offer miles with just the annual fee renewal. Instead, it typically comes hand-in-hand with a minimum spend requirement within the first 3 months of card approval too – S$15,000 for new-to-AMEX cardmembers and S$10,000 for existing cardmembers

Airport lounge access and limo benefits

Complimentary airport lounge access can be a great perk, especially when you’re flying economy or on a budget airline. But again, not all metal cards are made equal in this respect. Some offer extremely anaemic benefits, while others offer access to multiple lounge networks, complete with guest privileges.  

Metal Card	Lounge Network	Free Lounge Visit
Citi Prestige Card	Priority Pass	Unlimited + 1 guest
OCBC Voyage Card	Plaza Premium	Unlimited
UOB Visa Infinite Metal Card	DragonPass	4
AMEX Platinum Charge Card	Priority Pass (Enrolment required) International AMEX Lounges The Centurion®️ Lounges Delta SkyClub®️ Plaza Premium	Unlimited + Supplementary Member + 1 guest each

The strongest card here is undoubtedly the AMEX Platinum Charge card.

Cardmembers get to enjoy unlimited Priority Pass lounge visits as well as access to American Express and Centurion airport lounges, and Delta SkyClubs when flying on Delta Air Lines. What’s more, supplementary cardholders (the first two supplementary cards are free) enjoy the same lounge benefits. Not to mention, both you and one supplementary cardholder can bring a guest each. 

Complimentary airport transfers are another useful perk, although only two metal cards offer them at the moment – the Citi Prestige and OCBC VOYAGE.

Metal Card	Free Limo Rides	Spending Requirements
Citi Prestige Card	2 per quarter	S$12,000 per quarter
OCBC Voyage Card	2 per month	S$5,000 per ride
UOB Visa Infinite Metal Card	0	N.A
AMEX Platinum Charge Card	0	N.A

Dining benefits

Dining benefits can take the form of discounts on F&B or outright dining credit through vouchers. 

Metal Card	Dining Benefits
Citi Prestige Card	Four Hands Dining privileges
OCBC Voyage Card	Visa Infinite dining privileges
UOB Visa Infinite Metal Card	Visa Infinite dining privileges   Up to 50% off dining at Grand Hyatt Singapore   Clink Clink's private wine concierge service
AMEX Platinum Charge Card	American Express Selects dining offers   Up to 50% off dining with Love Dining benefits   1-for-1 drinks with Chillax S$200 dining credits each for local and overseas restaurants; total S$400 credits

Cardmembers can enjoy up to 50% off dining at selected hotels and restaurants with Love Dining benefits. This includes A-list restaurants like Brasserie Les Saveurs, SKAI Restaurant, Lantern, The Landing Point, Basilico, Yan Ting and Wooloomooloo Steakhouse.

To cap it off, they can get complimentary drinks under the Chillax programme at Botanico, Club 5, Portman's Bar, Smoke & Mirrors, Horse’s Mouth Bar, Monti and other drinking holes. 

Plus, with AMEX's revamp of statement credits earlier this year, Platinum Charge cardmembers now have S$200 worth of annual dining allowance for local and overseas restaurants each – making it S$400 in total every year.

All cards offer complimentary travel insurance (although the quantum and scope of coverage can differ significantly, so be sure to read the T&Cs!), but some go beyond that by offering unique perks. 

For example, the Citi Prestige gives you the fourth night free on hotel stays, which can potentially help to pay for the annual fee. The OCBC VOYAGE allows you to redeem VOYAGE miles for any cabin on any flight at a fixed cash value. The UOB Visa Infinite Metal Card offers preferential yacht chartering packages with Valencia Yachts.

Metal Card	Other Benefits
AMEX Platinum Charge Card	Up to S$1,354 yearly statement credits across selected airline, local and overseas dining, lifestyle, entertainment, and retail partners Complimentary elite gold status with Marriott Bonvoy, Hilton Honors, Radisson Rewards, and Pan Pacific DISCOVERY Up to 50% off dining with Love Dining benefits One complimentary drink with Chillax partners AMEX Fine Hotels & Resorts program Tower Club access Exclusive AMEX events Complimentary travel insurance
Citi Prestige Card	4th night free on hotel stays Up to S$1 million complimentary travel insurance coverage 6 complimentary golf sessions across Asia 2 complimentary airport limo transfers per quarter Exclusive relationship bonus of up to 30% additional Relationship Bonus Points Preferential rates for luxury tours and cruises, private jet charters and chauffeured car services
OCBC Voyage Card	Redeem miles for any cabin on any flight Complimentary travel insurance eCommerce purchase protection HealthPass health and wellness deals Instant 19% off on Caltex fuel spend S$25 KrisFlyer Miles redemption admin fee waiver
UOB Visa Infinite Metal Card	Priority booking and complimentary wine at global top restaurants Clink Clink's private wine concierge service Visa Luxury Hotel Collection privileges Up to additional 6 bonus KrisFlyer miles with KrisFlyer UOB Account Preferential Valencia Yachts charter rates Complimentary travel insurance UOB medical concierge

But it’s hard to compete with the AMEX Platinum Charge card, which offers S$800 of airline and hotel credits, Fine Hotels & Resorts benefits worth S$750, elite status with hotel chains like Hilton and Marriott, complimentary green fees, complimentary access into the elite, members-only Tower Club and much more.

The S$1,744 annual fee is the most expensive of all the metal cards here, almost three times as expensive in some cases. But if you’re willing to shell out that money, you’ll find the benefits to be pretty substantial — especially if you're looking forward to regular leisure travel again.  

If you choose to get a metal card, always remember the hefty annual fees that it comes with. This means it’s a good idea to do an analysis of the costs and benefits of owning one. A metal card is meant to make your pocket heavier, not lighter after all. 

Thinking of applying for a Premium Credit Card? Click below to compare and learn more about them!