How does a credit card work?

A credit card functions as a form of borrowing, enabling you to access funds up to a predetermined credit limit. The amount you charge to the card is referred to as the outstanding or unpaid balance, representing your debt.To settle your dues, you have several options: you can clear the entire outstanding balance each month, make a partial payment, or opt for the minimum sum. It's essential to note that a high-interest charge, typically ranging from 25% to 29% per annum, is levied on the remaining balance and any new transactions made on the card.

Can I Get An Annual Fee Waiver for My Credit Card?

To get an annual fee waiver for your credit card in Singapore, maintain a good credit history and promptly pay your bills. Contact your bank's customer service to request a waiver and politely negotiate. You can also emphasise your card usage and loyalty as a customer. Each bank's policies may vary, so direct communication with your issuer is essential to understand specific requirements and processes. Do note that it is up to the bank’s discretion on whether they will waive your annual fee.

What is a Credit Score?

A credit score is a numerical representation of an individual's creditworthiness. It is calculated based on their credit history, payment behaviour, outstanding debts, and credit utilisation.The score typically ranges from 1000 to 2000, with higher scores indicating lower credit risk. Lenders, such as banks and credit card companies, use credit scores to assess the likelihood of a borrower repaying debts responsibly. A higher credit score increases the chances of obtaining loans, credit cards, and favourable interest rates, while a lower score may lead to loan rejections or higher interest rates due to perceived higher risk. Monitoring and maintaining a good credit score is crucial for financial opportunities and access to credit facilities in Singapore.

How do I Check My Credit Score?

To check your credit score in Singapore, you can request a credit report from the Credit Bureau Singapore (CBS). CBS is the primary credit reference agency in Singapore. To obtain your report, you can visit the CBS website and follow the instructions to request your credit score. Alternatively, you can also purchase additional credit reports if needed. Reviewing your credit score allows you to assess your creditworthiness and identify any discrepancies or areas for improvement in your credit history.

Can I Increase My Credit Limit?

To increase your credit limit in Singapore, follow these steps. Firstly, maintain a positive credit history by making timely payments and keeping your outstanding balances low. Avoid defaulting on any loans or credit card payments. Secondly, regularly review your credit card bill to ensure accuracy and dispute any errors if found. Thirdly, demonstrate responsible credit usage by judiciously using your existing credit card and avoiding maxing out your limit. Fourthly, contact your credit card issuer and request a credit limit increase, providing reasons such as increased income or improved creditworthiness. Lastly, be patient and allow your credit card issuer time to assess your request before they grant an increase, which may take several weeks or months.

What’s the difference between a credit card and a debit card?

The main difference between a credit card and a debit card lies in their source of funds. A credit card allows users to borrow money up to a predetermined credit limit set by the card issuer. When a purchase is made with a credit card, the cardholder accumulates debt that needs to be repaid later, usually on a monthly basis, along with any accrued interest charges if the balance is not paid in full.On the other hand, a debit card is linked directly to the cardholder's bank account. When a purchase is made using a debit card, the funds are immediately deducted from the account, and no debt is incurred. This means that a debit card only allows spending within the available balance in the linked account. Unlike a credit card, there is no need to repay borrowed money or accumulate interest charges with a debit card.

What’s the difference between miles, cashback and rewards points

Miles, cashback, and rewards points are different types of credit card incentives. Miles are typically associated with travel credit cards, where cardholders earn points based on their spending, which can be redeemed for airline tickets or hotel stays.Cashback, as the name suggests, provides a percentage of the cardholder's spending back in cash, directly reducing the overall bill. Rewards points are a more versatile option, allowing cardholders to accumulate points with each purchase, which can be redeemed for various items, including merchandise, gift cards, or even travel bookings. The key distinction lies in their redemption options: miles are travel-specific, cashback provides immediate cash benefits, and rewards points offer a broader range of redemption choices. Cardholders often choose the incentive that aligns with their spending habits and preferences.

No Minimum Spend Required All Air Miles Cards Annual Fee Waiver No Expiry On Miles Go to: Promo - Bonus Miles Go to: Overseas

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Best Miles Credit Cards With No Minimum Spend in Singapore 2024

Unlock unparalleled travel opportunities with the Best No Minimum Spend Miles Credit Cards in Singapore. Seamlessly earn air miles without the constraints of meeting spending thresholds. From everyday expenses to special treats, these cards offer effortless mileage accumulation, ensuring you're ready to embark on unforgettable journeys. So get ready, strap in, and experience the joy of flexible rewards and hassle-free travel planning with these ultimate travel companions.

Search by air miles benefit type

No Minimum Spend Required All Air Miles Cards Annual Fee Waiver No Expiry On Miles Go to: Promo - Bonus Miles Go to: Overseas

UOB Lady's Card

Airmiles Local

Up to 10 miles per dollar

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Up to 10 mpd on 1 rewards category out of 7; get 0.4 mpd on all other spend.

Airmiles Overseas

Up to 10 miles per dollar

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Up to 10 mpd on 1 rewards category out of 7; get 0.4 mpd on all other spend.

Annual Fee

S$ 196.2

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First Year Waived

Things to consider for this product:

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Local spending rebate

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Installment

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No monthly spend required

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Rebate cap applied

UOB Lady's Solitaire Card

Airmiles Local

6 miles per dollar

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Get up to 6 miles per dollar on up to 2 rewards categories out of 7; get 0.4 miles per dollar on all other spend.

Airmiles Overseas

6 miles per dollar

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Bonus UNI$ capped at 8,400 UNI$ (equivalent to S$3,000 spend) per month.

Annual Fee

S$ 414.2

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First Year Waived

Things to consider for this product:

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Local spending rebate

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Installment

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No monthly spend required

remove

Rebate cap applied

Citi Rewards Card

Airmiles Local

4 miles per dollar

Airmiles Overseas

0.4 miles per dollar

Annual Fee

S$ 196.2

info

First Year Waived

3 Offers Available

Highest Cash Reward; 4 Weeks Fulfilment

S$370 Cash via PayNow

Valid until

02 March 2025

Richest Offer in the Market; Exclusively on SingSaver

Dyson Airwrap™ multi-styler and dryer (Complete) (worth S$859)

Valid until

02 March 2025

Richest Offer in the Market; Exclusively on SingSaver

2x Hinomi Q1 Ergonomic Office Chairs (worth S$998)

Valid until

02 March 2025

Richest Offer in the Market; Exclusively on SingSaver

Apple iPad 9th Gen 10.2" WiFi 64GB (worth S$479)

Valid until

02 March 2025

Richest Offer in the Market; Exclusively on SingSaver

50,000 yuu Points (worth S$500 when you redeem yuu SuperDupers or 13,888 miles)

Valid until

02 March 2025

Upgrade Your Rewards with a Simple Top-Up

Save S$549 on an Apple iPhone 16 Pro 256GB (worth S$1,749) by upgrading your reward with a top up

+ 2 other gift options

Valid until

02 March 2025

Things to consider for this product:

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Bonus air miles

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Travel insurance

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Annual Fee waiver

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High-value gift

Gift Options

S$370 Cash via PayNow

Gift Options

Dyson Airwrap™ multi-styler and dryer (Complete) (worth S$859); or
2x Hinomi Q1 Ergonomic Office Chairs (worth S$998); or
Apple iPad 9th Gen 10.2" WiFi 64GB (worth S$479); or
50,000 yuu Points (worth S$500 when you redeem yuu SuperDupers or 13,888 miles)

Gift Options

Save S$542 on a Samsung Galaxy S24 Ultra Titanium Gray 12+512GB (worth S$2,128) by upgrading your reward with a top up; or
Save S$549 on an Apple iPhone 16 Pro 256GB (worth S$1,749) by upgrading your reward with a top up; or
Save S$399 on an Apple iPad 10th Gen WiFi 64GB (worth S$499) by upgrading your reward with a top up

DBS Woman's World Card

Airmiles Local

4 miles per dollar

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10X DBS Points per S$5

Airmiles Overseas

4 miles per dollar

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10X DBS Points per S$5 on online transactions; otherwise 1.2 miles per dollar. (or 3X DBS Points).

Annual Fee

S$ 196.2

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First Year Waived

Things to consider for this product:

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Online shopping rebate

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Overseas rebate

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Installment

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Rebate cap applied

HSBC Revolution Credit Card

Airmiles Local

Up to 4 miles per dollar

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On dining, travel, shopping, and ride-hailing transactions. 0.4 mpd on all other transactions.

Airmiles Overseas

Up to 4 miles per dollar

info

On dining, travel, shopping, and ride-hailing transactions. 0.4 mpd on all other transactions.

Annual Fee

No Annual Fee

3 Offers Available

Upgrade Your Rewards with a Simple Top-Up

Save S$549 on an Apple iPhone 16 Pro 256GB (worth S$1,749) by upgrading your reward with a top up

+ 1 other gift options

Valid until

02 March 2025

Richest Offer in the Market, Exclusively on SingSaver

Dyson Airwrap™ multi-styler and dryer (Complete) (worth S$859)

Valid until

02 March 2025

Richest Offer in the Market, Exclusively on SingSaver

S$199 Cash via PayNow + S$201 eCapitaVoucher

Valid until

02 March 2025

Richest Offer in the Market, Exclusively on SingSaver

Apple Watch SE + Stryv Pro Styler bundle (worth S$518)

Valid until

02 March 2025

Richest Offer in the Market, Exclusively on SingSaver

Apple iPad 9th Gen 10.2" WiFi 64GB (worth S$479)

Valid until

02 March 2025

Richest Offer in the Market, Exclusively on SingSaver

Dyson AM07 Tower Fan (worth S$459)

Valid until

02 March 2025

Live Your Adventure: Sure-Win Spin

Receive sure-win gifts!

Valid until

13 April 2025

Things to consider for this product:

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Online shopping rebate

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Travel rebate

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No Annual Fee

Borrow up to 90% of your available credit limit, enjoy interest rates as low as 2.6% p.a., and get flexible payment terms up to 60 months when you apply with promo code CIPSS. T&Cs apply.
10X reward points (equivalent to 4 air miles or 2.5% cashback) on online purchases (subject to underlying whitelist Merchant Category Codes).
1X reward point for all other spending.
No minimum spend required.
No annual fee.
Receive complimentary access to ENTERTAINER with HSBC app, with over 1,000 1-for-1 deals on dining, lifestyle and travel worldwide.
Eligible categories: Online payment; shopping; groceries; dining; food delivery; ride-hailing apps.
Up to 16% and 14% off petrol at Caltex and Shell respectively.
Up to S$300,000 complimentary travel insurance for cardholder and family when travel tickets are charged to card.
Compatible with Apple Pay, Google Pay, and Visa PayWave.
Can convert between cashback, miles, or reward points flexibly.
Great for homemakers, working adults, miles chaser, enjoy flexibility between rebate types (cashback/miles/points), prefer fuss-free spending without min. spend.
Read our review of the HSBC Revolution Credit Card.
Operates on a whitelist basis. Only selected MCCs shown in the T&Cs qualify for bonus points.
Cap of 9,000 bonus reward points per calendar month on eligible purchases.
1X reward point earned on public transport (via SimplyGo) only.
HSBC reward points expire after 37 months (unlike Citi Rewards’ ThankYou Points of 60 months).

Gift Options

Save S$549 on an Apple iPhone 16 Pro 256GB (worth S$1,749) by upgrading your reward with a top up; or
Save S$478 on a Samsung Galaxy S24+ 512GB (worth S$1,728) by upgrading your reward with a top up

Gift Options

Dyson Airwrap™ multi-styler and dryer (Complete) (worth S$859); or
S$199 Cash via PayNow + S$201 eCapitaVoucher; or
Apple Watch SE + Stryv Pro Styler bundle (worth S$518); or
Apple iPad 9th Gen 10.2" WiFi 64GB (worth S$479); or
Dyson AM07 Tower Fan (worth S$459)

Gift Options

Receive sure-win gifts!

UOB Preferred Platinum Visa Card

Airmiles Local

Up to 4 miles per dollar

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On entertainment, online shopping, and mobile contactless payment(Apple Pay, Google Pay, Fitbit Pay, Samsung Pay, UOB Mighty.

Airmiles Overseas

4 miles per dollar

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On entertainment, online shopping, and mobile contactless payment(Apple Pay, Google Pay, Fitbit Pay, Samsung Pay, UOB Mighty.

Annual Fee

S$ 196.2

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First Year Waived

Things to consider for this product:

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Online shopping rebate

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Mobile contactless rebate

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Installment

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Rebate cap applied

HSBC Revolution Credit Card

Airmiles Local

Up to 4 miles per dollar

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On dining, travel, shopping, and ride-hailing transactions. 0.4 mpd on all other transactions.

Airmiles Overseas

Up to 4 miles per dollar

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On dining, travel, shopping, and ride-hailing transactions. 0.4 mpd on all other transactions.

Annual Fee

No Annual Fee

Things to consider for this product:

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Online shopping rebate

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Travel rebate

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No Annual Fee

Borrow up to 90% of your available credit limit, enjoy interest rates as low as 2.6% p.a., and get flexible payment terms up to 60 months when you apply with promo code CIPSS. T&Cs apply.
10X reward points (equivalent to 4 air miles or 2.5% cashback) on online purchases (subject to underlying whitelist Merchant Category Codes).
1X reward point for all other spending.
No minimum spend required.
No annual fee.
Receive complimentary access to ENTERTAINER with HSBC app, with over 1,000 1-for-1 deals on dining, lifestyle and travel worldwide.
Eligible categories: Online payment; shopping; groceries; dining; food delivery; ride-hailing apps.
Up to 16% and 14% off petrol at Caltex and Shell respectively.
Up to S$300,000 complimentary travel insurance for cardholder and family when travel tickets are charged to card.
Compatible with Apple Pay, Google Pay, and Visa PayWave.
Can convert between cashback, miles, or reward points flexibly.
Great for homemakers, working adults, miles chaser, enjoy flexibility between rebate types (cashback/miles/points), prefer fuss-free spending without min. spend.
Read our review of the HSBC Revolution Credit Card.
Operates on a whitelist basis. Only selected MCCs shown in the T&Cs qualify for bonus points.
Cap of 9,000 bonus reward points per calendar month on eligible purchases.
1X reward point earned on public transport (via SimplyGo) only.
HSBC reward points expire after 37 months (unlike Citi Rewards’ ThankYou Points of 60 months).

DBS Woman's Card

Airmiles Local

Up to 2 miles per dollar

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5X DBS Points per S$5

Airmiles Overseas

0.4 miles per dollar

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1X DBS Point per S$5

Annual Fee

S$ 163.5

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First Year Waived

Things to consider for this product:

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Online shopping rebate

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Overseas rebate

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Installment

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Rebate cap applied

DBS Vantage Visa Infinite Card

Airmiles Local

1.5 miles per dollar

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S$1 local spend = 1.5 miles

Airmiles Overseas

2.2 miles per dollar

info

S$1 overseas spend = 2.2 miles

Annual Fee

S$ 599.5

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Non-waivable for first year. Waiver will be granted in subsequent years with a minimum eligible spend of S$60,000 within in a calendar year.

Offer Available

Welcome Offer

Receive 60,000 miles

Valid until

28 February 2025

Things to consider for this product:

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Bonus air miles

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Local spending rebate

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Overseas rebate

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Airport lounge

1.5 miles or 1.5% cashback per S$1 spent locally, such as groceries, shopping and more.
2.2 miles or 2.2% cashback per S$1 spent on overseas purchases in foreign currency.
Receive 25,000 bonus miles when you pay the annual fee of S$550 (exclusive of GST) to renew your membership.
Complimentary Accor Plus Explorer membership with 1 free hotel night stay at Sofitel, Fairmont, Swissotel and over 1000 hotels worldwide.
Complimentary Digital Priority Pass™ Membership and 10 free lounge visits to over 1,300 airport lounges worldwide within each 12-month period of membership.
Members-only dining privileges at over 80 of Singapore’s fine dining establishments, including Michelin-awarded restaurants.
Annual fee of S$588.50 (inclusive of GST) is non-waivable for the first year.
Miles are awarded in the form of DBS Points which are awarded for every S$5 spent.
Each conversion of DBS Points to miles will be subjected to an administrative fee of S$25 (exclusive of GST).

UOB PRVI Miles American Express Card

Airmiles Local

1.4 miles per dollar

Airmiles Overseas

Up to 3 miles per dollar

Annual Fee

S$ 261.6

info

First Year Waived

2 Offers Available

Welcome Offer

58,000 miles upon SMS registration and fulfilling spend requirement

Valid until

28 February 2025

Welcome Offer

38,000 miles with 1st year annual fee waived

Valid until

28 February 2025

Things to consider for this product:

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Bonus air miles

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Unlimited air miles

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Travel insurance

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No monthly spend required

Earn 3 miles per S$1 spend (UNI$7.5 per S$5 spend) on regional spend in Indonesia, Malaysia, Thailand, Vietnam, including online shopping on overseas website.
Earn 2.4 miles per S$1 spend (UNI$6 per S$5 spend) on other overseas spend, including online shopping on overseas websites.
Earn 1.4 miles per S$1 spend (UNI$3.5 per S$5 spend) on local spend.
4 complimentary lounge visits for principal cardholders.
Earn up to 6.6 miles per S$1 spend (UNI$16.5 per S$5 spend) on agoda and Expedia bookings via UOB PRVI Miles website.
PRVI Miles Amex Exclusive: 20,000 loyalty miles with min. S$50,000 annual spend
PRVI Miles Amex Exclusive: Up to 8 complimentary airport transfers annually with min. S$1,000 overseas spend per quarter
Earn up to 6 bonus KrisFlyer miles for every S$1 spend if you also apply for a new KrisFlyer UOB Account
Complimentary personal accident coverage and emergency medical assistance of up to S$500,000.
Choice to redeem for miles, cashback, or vouchers.
No minimum spend and no cap on earned miles
2 year points expiry.
Annual fee of S$261.60

Gift Options

58,000 miles upon SMS registration and fulfilling spend requirement

Gift Options

38,000 miles with 1st year annual fee waived

UOB PRVI Miles Visa Card

Airmiles Local

1.4 miles per dollar

Airmiles Overseas

Up to 3 miles per dollar

Annual Fee

S$ 261.6

info

First Year Waived

2 Offers Available

Welcome Offer

58,000 miles upon SMS registration and fulfilling spend requirement

Valid until

28 February 2025

Welcome Offer

38,000 miles with 1st year annual fee waived

Valid until

28 February 2025

Things to consider for this product:

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Bonus air miles

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Unlimited air miles

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Travel insurance

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No monthly spend required

Earn 3 miles per S$1 spend (UNI$7.5 per S$5 spend) on regional spend in Indonesia, Malaysia, Thailand, Vietnam, including online shopping on overseas website.
Earn 2.4 miles per S$1 spend (UNI$6 per S$5 spend) on other overseas spend, including online shopping on overseas websites.
Earn 1.4 miles per S$1 spend (UNI$3.5 per S$5 spend) on local spend.
4 complimentary lounge visits for principal cardholders.
Earn up to 6.6 miles per S$1 spend (UNI$16.5 per S$5 spend) on agoda and Expedia bookings via UOB PRVI Miles website.
Earn up to 6 bonus KrisFlyer miles for every S$1 spend if you also apply for a new KrisFlyer UOB Account.
Complimentary personal accident coverage and emergency medical assistance of up to S$500,000.
Choice to redeem for miles, cashback, or vouchers.
No minimum spend and no cap on earned miles
Annual fee of S$261.60

Gift Options

58,000 miles upon SMS registration and fulfilling spend requirement

Gift Options

38,000 miles with 1st year annual fee waived

UOB PRVI Miles World MasterCard

Airmiles Local

1.4 miles per dollar

Airmiles Overseas

Up to 3 miles per dollar

Annual Fee

S$ 261.6

info

First Year Waived

2 Offers Available

Welcome Offer

58,000 miles upon SMS registration and fulfilling spend requirement

Valid until

28 February 2025

Welcome Offer

38,000 miles with 1st year annual fee waived

Valid until

28 February 2025

Things to consider for this product:

check

Bonus air miles

check

Unlimited air miles

check

Travel insurance

check

No monthly spend required

Earn 3 miles per S$1 spend (UNI$7.5 per S$5 spend) on regional spend in Indonesia, Malaysia, Thailand, Vietnam, including online shopping on overseas website.
Earn 2.4 miles per S$1 spend (UNI$6 per S$5 spend) on other overseas spend, including online shopping on overseas websites.
Earn 1.4 miles per S$1 spend (UNI$3.5 per S$5 spend) on local spend.
4 complimentary lounge visits for principal cardholders.
Earn up to 6.6 miles per S$1 spend (UNI$16.5 per S$5 spend) on agoda and Expedia bookings via UOB PRVI Miles website.
Earn up to 6 bonus KrisFlyer miles for every S$1 spend if you also apply for a new KrisFlyer UOB Account.
Complimentary personal accident coverage and emergency medical assistance of up to S$500,000.
Choice to redeem for miles, cashback, or vouchers.
No minimum spend and no cap on earned miles
Annual fee of S$261.60

Gift Options

58,000 miles upon SMS registration and fulfilling spend requirement

Gift Options

38,000 miles with 1st year annual fee waived

DBS Altitude Visa Signature Card

Airmiles Local

Up to 1.3 miles per dollar

Airmiles Overseas

Up to 5 miles per dollar

info

On Overseas Spend, for a limited time (T&Cs apply, valid until 31 Dec 2024). Must register on DBS PayLah! app.

Annual Fee

S$ 196.2

info

First Year Waived

Offer Available

Welcome Offer

Up to 30,000 miles

Valid until

28 February 2025

Things to consider for this product:

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Bonus air miles

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Airport lounge

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No expiry air miles

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Unlimited air miles

DBS Altitude American Express Card

Airmiles Local

Up to 1.3 miles per dollar

Airmiles Overseas

Up to 5 miles per dollar

info

On Overseas Spend, for a limited time (T&Cs apply, valid until 31 Dec 2024). Must register on DBS PayLah! app.

Annual Fee

S$ 196.2

info

First Year Waived

Offer Available

Welcome Offer

Up to 35,000 miles

Valid until

28 February 2025

Things to consider for this product:

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Bonus air miles

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Airport lounge

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No expiry air miles

check

Unlimited air miles

OCBC 90°N Visa Card

Airmiles Local

1.3 miles per dollar

Airmiles Overseas

2.1 miles per dollar

Annual Fee

S$ 196.2

info

First Year Fee automatically waived. Min. spend of S$10,000 per year for waiver of annual fee for subsequent years.

2 Offers Available

SingSaver Exclusive Offer

Apple AirTag 4-Pack (worth S$149)

Valid until

10 February 2025

SingSaver Exclusive Offer

Stryv Color+ hair dryer (worth S$129)

Valid until

10 February 2025

SingSaver Exclusive Offer

S$120 Lazada Vouchers

Valid until

10 February 2025

SingSaver Exclusive Offer

S$100 Cash via PayNow

Valid until

10 February 2025

OCBC Star Wars Celebration Lucky Draw

Win a trip to Star Wars Celebration 2025!

Valid until

14 February 2025

Things to consider for this product:

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Unlimited air miles

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No expiry air miles

check

Bonus air miles

Gift Options

Apple AirTag 4-Pack (worth S$149); or
Stryv Color+ hair dryer (worth S$129); or
S$120 Lazada Vouchers; or
S$100 Cash via PayNow

Gift Options

Win a trip to Star Wars Celebration 2025!

OCBC 90°N Mastercard

Airmiles Local

1.3 miles per dollar

Airmiles Overseas

2.1 miles per dollar

info

Get up to

Annual Fee

S$ 196.2

info

First Year Fee automatically waived. Min. spend of S$10,000 per year for waiver of annual fee for subsequent years.

2 Offers Available

SingSaver Exclusive Offer

Apple AirTag 4-Pack (worth S$149)

Valid until

10 February 2025

SingSaver Exclusive Offer

Stryv Color+ hair dryer (worth S$129)

Valid until

10 February 2025

SingSaver Exclusive Offer

S$120 Lazada Vouchers

Valid until

10 February 2025

SingSaver Exclusive Offer

S$100 Cash via PayNow

Valid until

10 February 2025

OCBC Star Wars Celebration Lucky Draw

Win a trip to Star Wars Celebration 2025!

Valid until

14 February 2025

Things to consider for this product:

check

No expiry air miles

check

Unlimited air miles

remove

No monthly spend required

Gift Options

Apple AirTag 4-Pack (worth S$149); or
Stryv Color+ hair dryer (worth S$129); or
S$120 Lazada Vouchers; or
S$100 Cash via PayNow

Gift Options

Win a trip to Star Wars Celebration 2025!

American Express Singapore Airlines KrisFlyer Ascend Credit Card

Airmiles Local

1.2 miles per dollar

Airmiles Overseas

1.2 miles per dollar

Annual Fee

S$ 397.85

Offer Available

Welcome Offer

Up to 40,000 KrisFlyer miles (enough to redeem a return trip to Taipei* on Singapore Airlines)

Valid until

16 February 2025

Things to consider for this product:

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Unlimited air miles

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Travel insurance

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Annual Fee required

From 1 Feb till 31 Jul 2025, new and existing American Express Singapore Airlines KrisFlyer Ascend Credit Card Members can be fast tracked to KrisFlyer Elite Gold membership with S$16,000 on all eligible purchases, including a minimum spending of S$6,000 on eligible Singapore Airlines and Scoot flight bookings. T&Cs apply.
Get a complimentary night stay at participating Hilton properties each year.
Receive a Foreign Spend Miles Redemption Voucher for 18,000 KrisFlyer miles when you spend the equivalent of S$10,000 or more in foreign currency within the qualifying period.
Receive a Renewal Miles Redemption Voucher for 10,000 KrisFlyer miles after American Express receives payment of the renewal annual membership fee each year.
Earn 2 KrisFlyer miles for every S$1 spent on eligible Singapore Airlines and Scoot flight bookings, and KrisShop purchases, with no cap.
Earn up to 2 KrisFlyer miles for every S$1 spent on eligible Grab Singapore transactions, up to S$200 spend in each calendar month.
Earn 1.2 KrisFlyer miles for every S$1 spent on all other eligible purchases, with no cap.
Hassle-free conversion with no transfer fee
Read our full review of the American Express Singapore Airlines KrisFlyer Ascend Credit Card.
Annual fee: S$397.85 (inclusive of GST) must be paid to enjoy welcome offers.
Please refer to the American Express website (go.amex/singsaver) for the most up to date information on card benefits and its terms & conditions.

Citi PremierMiles Card

Airmiles Local

1.2 miles per dollar

Airmiles Overseas

2.2 miles per dollar

Annual Fee

S$ 196.2

info

First Year Waived

3 Offers Available

Highest Cash Reward; 4 Weeks Fulfilment

S$370 Cash via PayNow

Valid until

02 March 2025

Richest Offer in the Market; Exclusively on SingSaver

Dyson Airwrap™ multi-styler and dryer (Complete) (worth S$859)

Valid until

02 March 2025

Richest Offer in the Market; Exclusively on SingSaver

2x Samsonite Straren Spinner 67/24 bundle (worth S$1,200)

Valid until

02 March 2025

Richest Offer in the Market; Exclusively on SingSaver

Apple iPad 9th Gen 10.2" WiFi 64GB (worth S$479)

Valid until

02 March 2025

Richest Offer in the Market; Exclusively on SingSaver

20,000 Max Miles

Valid until

02 March 2025

Upgrade Your Rewards with a Simple Top-Up

Save S$549 on an Apple iPhone 16 Pro 256GB (worth S$1,749) by upgrading your reward with a top up

+ 2 other gift options

Valid until

02 March 2025

Things to consider for this product:

check

No expiry air miles

check

Airport lounge

check

Travel rebate

check

Gift: Apple product

1.2 miles per S$1 spent locally.
2.2 miles per S$1 spent in foreign currency.
Citi Miles never expire. Can be exchanged for a variety of frequent flyer miles, hotel stays, rewards and cash rebates.
Use Citi PayAll to earn Citi Miles, Citi ThankYou PointsSM or Cash Back when you pay your bills with your Citi Credit Card.
Earn miles on rent, condo management fees, school fees, taxes and bills via Citi PayAll.
2 free airport lounge visits per year to over 1300 Priority Pass lounges worldwide.
Up to S$1 million travel insurance coverage when you charge your travel tickets to this card.
11 different airline and hotel transfer partners.
Complimentary travel insurance with solid coverage.
Generous sign-up bonus with relatively low minimum spend.
Read our full review of the Citi PremierMiles Card.
Admin fee of S$25 (excluding GST) for each conversion of Citi Miles to frequent flyer miles.
Service fee applies to Citi PayAll facility.

Gift Options

S$370 Cash via PayNow

Gift Options

Dyson Airwrap™ multi-styler and dryer (Complete) (worth S$859); or
2x Samsonite Straren Spinner 67/24 bundle (worth S$1,200); or
Apple iPad 9th Gen 10.2" WiFi 64GB (worth S$479); or
20,000 Max Miles

Gift Options

Save S$542 on a Samsung Galaxy S24 Ultra Titanium Gray 12+512GB (worth S$2,128) by upgrading your reward with a top up; or
Save S$549 on an Apple iPhone 16 Pro 256GB (worth S$1,749) by upgrading your reward with a top up; or
Save S$399 on an Apple iPad 10th Gen WiFi 64GB (worth S$499) by upgrading your reward with a top up

HSBC TravelOne Credit Card

Airmiles Local

1.2 miles per dollar

Airmiles Overseas

2.4 miles per dollar

Annual Fee

S$ 196.2

3 Offers Available

Upgrade Your Rewards with a Simple Top-Up

Save S$549 on an Apple iPhone 16 Pro 256GB (worth S$1,749) by upgrading your reward with a top up

+ 1 other gift options

Valid until

02 March 2025

Richest Offer in the Market, Exclusively on SingSaver

Dyson Airwrap™ multi-styler and dryer (Complete) (worth S$859)

Valid until

02 March 2025

Richest Offer in the Market, Exclusively on SingSaver

S$199 Cash via PayNow + S$201 eCapitaVoucher

Valid until

02 March 2025

Richest Offer in the Market, Exclusively on SingSaver

Apple Watch SE + Stryv Pro Styler bundle (worth S$518)

Valid until

02 March 2025

Richest Offer in the Market, Exclusively on SingSaver

Apple iPad 9th Gen 10.2" WiFi 64GB (worth S$479)

Valid until

02 March 2025

Richest Offer in the Market, Exclusively on SingSaver

Dyson AM07 Tower Fan (worth S$459)

Valid until

02 March 2025

Live Your Adventure: Sure-Win Spin

Receive sure-win gifts!

Valid until

13 April 2025

Things to consider for this product:

check

Unlimited air miles

check

Airport lounge

check

Travel insurance

check

Bonus air miles

Gift Options

Save S$549 on an Apple iPhone 16 Pro 256GB (worth S$1,749) by upgrading your reward with a top up; or
Save S$478 on a Samsung Galaxy S24+ 512GB (worth S$1,728) by upgrading your reward with a top up

Gift Options

Dyson Airwrap™ multi-styler and dryer (Complete) (worth S$859); or
S$199 Cash via PayNow + S$201 eCapitaVoucher; or
Apple Watch SE + Stryv Pro Styler bundle (worth S$518); or
Apple iPad 9th Gen 10.2" WiFi 64GB (worth S$479); or
Dyson AM07 Tower Fan (worth S$459)

Gift Options

Receive sure-win gifts!

Standard Chartered Journey Credit Card (Annual Fee Paying)

Airmiles Local

1.2 miles per dollar

Airmiles Overseas

2 miles per dollar

Annual Fee

S$ 196.2

info

First Year Waived (Optional)

5 Offers Available

Highest Cash Reward; 4 Weeks Fulfilment

S$180 Cash + 45,000 miles

Valid until

02 March 2025

Highest Miles Reward

Up to 57,000 Miles

Valid until

02 March 2025

Richest Offer in the Market; Exclusively on SingSaver

Samsonite Straren Spinner 67/24 worth S$600 + 45,000 miles

Valid until

02 March 2025

Upgrade Your Rewards with a Simple Top-Up

Save S$499 on a Flujo Ayla Ergonomic Office Chair (worth S$799) by upgrading your reward with a top up

Valid until

02 March 2025

Upgrade Your Rewards with a Simple Top-Up

Save S$549 on a Xiaomi Robot Vacuum X20 (worth S$699) by upgrading your reward with a top up

Valid until

02 March 2025

SC Million Reasons to be Happier Promotion

Porsche Taycan Electric

Valid until

28 February 2025

Things to consider for this product:

check

Bonus air miles

check

No expiry air miles

check

Airport lounge

check

Travel insurance

Earn 3 miles for every S$1 spent on online transactions from transportation, food delivery, and online grocery merchants.
Earn 2 miles for every S$1 on foreign currency transactions.
Earn 1.2 miles for every S$1 spent locally.
S$0 foreign transaction fee for overseas spend made and posted in June-July, November-December 2023.
S$10 off Grab rides to or from Changi Airport.
2 complimentary visits to Priority Pass lounges around the world each year.
Get peace of mind when you travel with complimentary travel insurance coverage of up +to S$500,000.
Rewards points do not expire.
Flexible redemption – enjoy your choice of air miles, cash rewards or travel vouchers on the SCB Rewards 360 platform.
Enjoy exciting card offers and privileges on Standard Chartered The Good Life programme.
Transportation, food delivery and online grocery rewards capped at 3,000 miles in a statement cycle.

Gift Options

S$180 Cash + 45,000 miles

Gift Options

Up to 57,000 Miles

Gift Options

Samsonite Straren Spinner 67/24 worth S$600 + 45,000 miles

Gift Options

Save S$499 on a Flujo Ayla Ergonomic Office Chair (worth S$799) by upgrading your reward with a top up; or
Save S$549 on a Xiaomi Robot Vacuum X20 (worth S$699) by upgrading your reward with a top up

Gift Options

Porsche Taycan Electric

Citi PremierMiles Card + Citi Wealth First Account Bundle

Airmiles Local

1.2 miles per dollar

Airmiles Overseas

2.2 miles per dollar

Annual Fee

S$ 196.2

info

First Year Waived

3 Offers Available

Highest Cash Reward; 4 Weeks Fulfilment

S$370 Cash via PayNow + S$100 eCapitaVoucher

Valid until

02 March 2025

Richest Offer in the Market; Exclusively on SingSaver

Dyson Airwrap™ multi-styler and dryer (Complete) (worth S$859) + S$100 eCapitaVoucher

Valid until

02 March 2025

Richest Offer in the Market; Exclusively on SingSaver

Samsonite Straren Spinner 67/24 (worth S$1,200) + S$100 eCapitaVoucher

Valid until

02 March 2025

Richest Offer in the Market; Exclusively on SingSaver

Apple iPad 9th Gen WiFi 64GB (worth S$479) + S$100 eCapitaVoucher

Valid until

02 March 2025

Richest Offer in the Market; Exclusively on SingSaver

20,000 Max Miles + S$100 eCapitaVoucher

Valid until

02 March 2025

Upgrade Your Rewards with a Simple Top-Up

Save S$549 on an Apple iPhone 16 Pro 256GB (worth S$1,749) by upgrading your reward with a top up

+ 2 other gift options

Valid until

02 March 2025

Things to consider for this product:

check

Seamless application

check

Increased rewards

One seamless journey for both products
More rewards when you apply for both products as a bundle
Citi Wealth First Account Benefits:
Enjoy up to 7.51% p.a.* on your savings with your Citi Wealth First Account. Earn higher interest and save more with every action.
Protect and build your wealth with our full suite of investment and insurance products.
Enjoy access to global banking & lifestyle privileges, travel benefits and get invited to exclusive events.
Get 6-month commission-free trades online* for U.S. and H.K. markets and have access to Global Market Insights with 350+ analysts worldwide.
Supporting team of experts and dedicated Relationship Manager to assist you to reach your goals
Citi Premier Miles Card Benefits:
1.2 miles per S$1 spent locally. 2.2 miles per S$1 spent in foreign currency.
Citi Miles never expire. Can be exchanged for a variety of frequent flyer miles, hotel stays, rewards and cash rebates.
2 free airport lounge visits per year to over 1300 Priority Pass lounges worldwide.
Earn miles on rent, condo management fees, school fees, taxes and bills via Citi PayAll.
Up to S$1 million travel insurance coverage when you charge your travel tickets to this card.
Customer must complete application for both products in the bundle; if customer chooses to apply for Citi PremierMiles Card only, they must re-apply through the PremierMiles Card listing on SingSaver.
Admin fee of S$25 (excluding GST) for each conversion of Citi Miles to frequent flyer miles.
Service fee applies to Citi PayAll facility.

Gift Options

S$370 Cash via PayNow + S$100 eCapitaVoucher

Gift Options

Dyson Airwrap™ multi-styler and dryer (Complete) (worth S$859) + S$100 eCapitaVoucher; or
Samsonite Straren Spinner 67/24 (worth S$1,200) + S$100 eCapitaVoucher; or
Apple iPad 9th Gen WiFi 64GB (worth S$479) + S$100 eCapitaVoucher; or
20,000 Max Miles + S$100 eCapitaVoucher

Gift Options

Save S$542 on a Samsung Galaxy S24 Ultra Titanium Gray 12+512GB (worth S$2,128) by upgrading your reward with a top up; or
Save S$549 on an Apple iPhone 16 Pro 256GB (worth S$1,749) by upgrading your reward with a top up; or
Save S$399 on an Apple iPad 10th Gen WiFi 64GB (worth S$499) by upgrading your reward with a top up

Highest combined miles rewards Fastest Cash Fulfillment

Standard Chartered Journey Credit Card (Annual Fee Waiver)

Airmiles Local

1.2 miles per dollar

Airmiles Overseas

2 miles per dollar

Annual Fee

S$ 196.2

info

First Year Waived (Optional)

5 Offers Available

Highest Cash Reward; 4 Weeks Fulfilment

S$180 Cash + 45,000 miles

Valid until

02 March 2025

Highest Miles Reward

Up to 57,000 Miles

Valid until

02 March 2025

Richest Offer in the Market; Exclusively on SingSaver

Samsonite Straren Spinner 67/24 worth S$600 + 45,000 miles

Valid until

02 March 2025

Upgrade Your Rewards with a Simple Top-Up

Save S$499 on a Flujo Ayla Ergonomic Office Chair (worth S$799) by upgrading your reward with a top up

Valid until

02 March 2025

Upgrade Your Rewards with a Simple Top-Up

Save S$549 on a Xiaomi Robot Vacuum X20 (worth S$699) by upgrading your reward with a top up

Valid until

02 March 2025

SC Million Reasons to be Happier Promotion

Porsche Taycan Electric

Valid until

28 February 2025

Things to consider for this product:

check

Bonus air miles

check

No expiry air miles

check

Airport lounge

check

Travel insurance

Earn 3 miles for every S$1 spent on online transactions from transportation, food delivery, and online grocery merchants.
Earn 2 miles for every S$1 on foreign currency transactions.
Earn 1.2 miles for every S$1 spent locally.
S$0 foreign transaction fee for overseas spend made and posted in June-July, November-December 2023.
S$10 off Grab rides to or from Changi Airport.
2 complimentary visits to Priority Pass lounges around the world each year.
Get peace of mind when you travel with complimentary travel insurance coverage of up +to S$500,000.
Rewards points do not expire.
Flexible redemption – enjoy your choice of air miles, cash rewards or travel vouchers on the SCB Rewards 360 platform.
Enjoy exciting card offers and privileges on Standard Chartered The Good Life programme.
Transportation, food delivery and online grocery rewards capped at 3,000 miles in a statement cycle.

Gift Options

S$180 Cash + 45,000 miles

Gift Options

Up to 57,000 Miles

Gift Options

Samsonite Straren Spinner 67/24 worth S$600 + 45,000 miles

Gift Options

Save S$499 on a Flujo Ayla Ergonomic Office Chair (worth S$799) by upgrading your reward with a top up; or
Save S$549 on a Xiaomi Robot Vacuum X20 (worth S$699) by upgrading your reward with a top up

Gift Options

Porsche Taycan Electric

HSBC TravelOne Credit Card

Airmiles Local

1.2 miles per dollar

Airmiles Overseas

2.4 miles per dollar

Annual Fee

S$ 196.2

Things to consider for this product:

check

Unlimited air miles

check

Airport lounge

check

Travel insurance

check

Bonus air miles

American Express Singapore Airlines KrisFlyer Credit Card

Airmiles Local

1.1 miles per dollar

Airmiles Overseas

1.1 miles per dollar

Annual Fee

S$ 179.85

info

First Year Waived

Offer Available

Welcome Offer

Up to 17,000 KrisFlyer miles (enough to redeem a return trip to Bali* on Singapore Airlines)

Valid until

16 February 2025

Things to consider for this product:

check

No monthly spend required

Maybank World Mastercard

Airmiles Local

0.4 miles per dollar

Airmiles Overseas

0.4 miles per dollar

Annual Fee

S$ 261.6

info

First Year Waived

Things to consider for this product:

check

Dining rebate

check

Retail rebate

check

Petrol rebate

check

Airport lounge

Fastest Cash Fulfillment

Standard Chartered Rewards+ Credit Card

Airmiles Local

0.29 miles per dollar

Airmiles Overseas

2.9 miles per dollar

info

Overseas retail, dining and travel.

Annual Fee

S$ 196.2

info

First Year Waived

4 Offers Available

Highest Cash Reward; 4 Weeks Fulfilment

S$200 Cash via PayNow

Valid until

02 March 2025

Richest Offer in the Market; Exclusively on SingSaver

Flujo BEA Office Chair (worth S$549)

Valid until

02 March 2025

Richest Offer in the Market; Exclusively on SingSaver

Xiaomi Truclean W20 Wet Dry Vacuum (worth S$249)

Valid until

02 March 2025

Upgrade Your Rewards with a Simple Top-Up

Save S$499 on a Flujo Ayla Ergonomic Office Chair (worth S$799) by upgrading your reward with a top up

Valid until

02 March 2025

Upgrade Your Rewards with a Simple Top-Up

Save S$549 on a Xiaomi Robot Vacuum X20 (worth S$699) by upgrading your reward with a top up

Valid until

02 March 2025

SC Million Reasons to be Happier Promotion

Porsche Taycan Electric

Valid until

28 February 2025

Things to consider for this product:

check

Overseas rebate

check

No monthly spend required

check

Travel insurance

remove

Rebate cap applied

Gift Options

S$200 Cash via PayNow

Gift Options

Flujo BEA Office Chair (worth S$549); or
Xiaomi Truclean W20 Wet Dry Vacuum (worth S$249)

Gift Options

Save S$499 on a Flujo Ayla Ergonomic Office Chair (worth S$799) by upgrading your reward with a top up; or
Save S$549 on a Xiaomi Robot Vacuum X20 (worth S$699) by upgrading your reward with a top up

Gift Options

Porsche Taycan Electric

UOB Metro-UOB Card

Annual Fee

S$ 196.2

info

First Year Waived

Things to consider for this product:

check

Retail rebate

check

Dining savings

check

No monthly spend required

check

No rebate cap

American Express Singapore Airlines Business Credit Card

Airmiles Overseas

1.8 miles per dollar

Annual Fee

S$ 304.59

info

Non-waivable

Things to consider for this product:

check

Bonus air miles

check

Airport lounge

check

Air ticket rebate

remove

Rebate cap applied

How does a Miles Credit Card With No Minimum Spend work?

A miles credit card with no minimum spend requirement tends to work as an excellent travel credit card. It let you earn rewards or miles for each purchase without needing to meet a specific spending threshold.

See Moreexpand_more

How to best use a Miles Credit Card With No Minimum Spend?

Using a Miles Credit Card With No Minimum Spend effectively can help you maximise your rewards while enjoying the benefits of the card. Here's how to make the most of it:

See Moreexpand_more

Who should use a Miles Credit Card With No Minimum Spend?

A Miles Credit Card With No Minimum Spend requirement can be an excellent choice for various types of individuals who want to earn travel rewards without the obligation of reaching a specific spending threshold. Here are some people who might benefit from using such a card:

See Moreexpand_more

Things to look out for when choosing a Miles Credit Card With No Minimum Spend

When selecting a Miles Credit Card with No Minimum Spend requirement, there are several important factors to consider to ensure that the card aligns with your travel goals and financial habits. Here are some key things to look out for:

See Moreexpand_more

What does no minimum spending mean?

expand_more

"No minimum spending" for a credit card means you're not obligated to reach a specific spending amount to access benefits, rewards, or promotions. You can earn rewards on your regular purchases without a set minimum requirement. It provides flexibility for earning rewards at your own pace based on your spending habits. Remember to use the card responsibly to avoid interest charges.

Can I earn miles without spending any money?

expand_more

Earning miles without spending money is uncommon. While sign-up and referral bonuses, occasional promotions, and bank rewards programs (e.g. card renewal via paying the annual fee instead of waiving it) can provide some miles, the primary way to accumulate substantial miles is through credit card spending and associated rewards. Always review the terms and conditions for eligibility.

Best Miles Credit Cards With No Minimum Spend in Singapore 2024

UOB Lady's Card

Things to consider for this product:

Quick Facts

UOB Lady's Solitaire Card

Things to consider for this product:

Quick Facts

Citi Rewards Card

3 Offers Available

Things to consider for this product:

Quick Facts

DBS Woman's World Card

Things to consider for this product:

Quick Facts

HSBC Revolution Credit Card

3 Offers Available

Things to consider for this product:

Quick Facts

UOB Preferred Platinum Visa Card

Things to consider for this product:

Quick Facts

HSBC Revolution Credit Card

Things to consider for this product:

Quick Facts

DBS Woman's Card

Things to consider for this product:

Quick Facts

DBS Vantage Visa Infinite Card

Offer Available

Things to consider for this product:

Quick Facts

UOB PRVI Miles American Express Card

2 Offers Available

Things to consider for this product:

Quick Facts

UOB PRVI Miles Visa Card

2 Offers Available

Things to consider for this product:

Quick Facts

UOB PRVI Miles World MasterCard

2 Offers Available

Things to consider for this product:

Quick Facts

DBS Altitude Visa Signature Card

Offer Available

Things to consider for this product:

Quick Facts

DBS Altitude American Express Card

Offer Available

Things to consider for this product:

Quick Facts

OCBC 90°N Visa Card

2 Offers Available

Things to consider for this product:

Quick Facts

OCBC 90°N Mastercard

2 Offers Available

Things to consider for this product:

Quick Facts

American Express Singapore Airlines KrisFlyer Ascend Credit Card

Offer Available

Things to consider for this product:

Quick Facts

Citi PremierMiles Card

3 Offers Available

Things to consider for this product:

Quick Facts

HSBC TravelOne Credit Card

3 Offers Available

Things to consider for this product:

Quick Facts

Standard Chartered Journey Credit Card (Annual Fee Paying)

5 Offers Available

Things to consider for this product:

Quick Facts

Citi PremierMiles Card + Citi Wealth First Account Bundle

3 Offers Available

Things to consider for this product:

Quick Facts

Standard Chartered Journey Credit Card (Annual Fee Waiver)