Best Air Miles Credit Cards in Singapore 2024

Updated: Oct 10, 2024

From racking up miles on everyday purchases to enjoying priority boarding and lounge access, you can elevate your travel experience when using the correct cards. Choosing the right miles credit card can be tricky and that's why we've put together this comprehensive guide to help you navigate the world of miles credit cards in Singapore.

Best Miles Credit Cards

Credit Card Annual Fee Airmiles Local Airmiles Overseas Monthly Spend Required
Citi PremierMiles Card

Citi PremierMiles Card

S$ 196.20

1.2 miles per dollar

2.2 miles per dollar

None

on Citibank's website

HSBC TravelOne Credit Card

HSBC TravelOne Credit Card

S$ 196.20

1.2 miles per dollar

2.4 miles per dollar

None

on HSBC's website

Standard Chartered Journey Credit Card (Annual Fee Paying)

Standard Chartered Journey Credit Card (Annual Fee Paying)

S$ 196.20

1.2 miles per dollar

2 miles per dollar

None

on Standard Chartered's website

Citi Prestige Card

Citi Prestige Card

S$ 545.00

1.3 miles per dollar

2 miles per dollar

None

on Citibank's website

Standard Chartered Rewards+ Credit Card

Standard Chartered Rewards+ Credit Card

S$ 196.20

0.29 miles per dollar

2.9 miles per dollar

None

on Standard Chartered's website

Citi Rewards Card

Citi Rewards Card

S$ 196.20

4 miles per dollar

0.4 miles per dollar

None

on Citibank's website

UOB Lady's Card

UOB Lady's Card

S$ 196.20

Up to 10 miles per dollar

Up to 10 miles per dollar

None

on UOB's website

Maybank Horizon Visa Signature Card

Maybank Horizon Visa Signature Card

S$ 196.20

1.2 miles per dollar

2.8 miles per dollar

S$ 800.00 per month

on Maybank's website

American Express Singapore Airlines KrisFlyer Ascend Credit Card

American Express Singapore Airlines KrisFlyer Ascend Credit Card

S$ 397.85

1.2 miles per dollar

1.2 miles per dollar

None

on American Express's website

DBS Altitude Visa Signature Card

DBS Altitude Visa Signature Card

S$ 196.20

1.3 miles per dollar

Up to 5 miles per dollar

None

on DBS's website

Our Pick for Frequent Flyers: American Express Singapore Airlines KrisFlyer Ascend Credit Card

American Express Singapore Airlines KrisFlyer Ascend Credit Card

American Express Singapore Airlines KrisFlyer Ascend Credit Card

on American Express's website

Annual Fee
S$ 397.85
Monthly Spend Required
None
Airmiles Overseas
1.2 miles per dollar
Airmiles Local
1.2 miles per dollar
  • Eligible rewards (1)

  • Card details

Our Pick for Rewards: Citi PremierMiles Card

Citi PremierMiles Card

Citi PremierMiles Card

on Citibank's website

Annual Fee
S$ 196.20
Monthly Spend Required
None
Airmiles Overseas
2.2 miles per dollar
Airmiles Local
1.2 miles per dollar
  • Eligible rewards (7)

  • Card details

Our Pick for Rewards: Standard Chartered Rewards+ Credit Card

Standard Chartered Rewards+ Credit Card

Standard Chartered Rewards+ Credit Card

on Standard Chartered's website

Annual Fee
S$ 196.20
Monthly Spend Required
None
Airmiles Overseas
2.9 miles per dollar
Airmiles Local
0.29 miles per dollar
  • Eligible rewards (6)

  • Card details

Our Pick for Lounge Access: Citi Prestige Card

Citi Prestige Card

Citi Prestige Card

on Citibank's website

Annual Fee
S$ 545.00
Monthly Spend Required
None
Airmiles Overseas
2 miles per dollar
Airmiles Local
1.3 miles per dollar
  • Eligible rewards (6)

  • Card details

Our Pick for Travel Promotions: Maybank Horizon Visa Signature Card

Maybank Horizon Visa Signature Card

Maybank Horizon Visa Signature Card

on Maybank's website

Annual Fee
S$ 196.20
Monthly Spend Required
S$ 800.00 per month
Airmiles Overseas
2.8 miles per dollar
Airmiles Local
1.2 miles per dollar
  • Eligible rewards (3)

  • Card details

Our Pick for Loyal Travelers: Standard Chartered Journey Credit Card

Standard Chartered Journey Credit Card (Annual Fee Paying)

Standard Chartered Journey Credit Card (Annual Fee Paying)

on Standard Chartered's website

Annual Fee
S$ 196.20
Monthly Spend Required
None
Airmiles Overseas
2 miles per dollar
Airmiles Local
1.2 miles per dollar
  • Eligible rewards (6)

  • Card details

Our Pick for Travel Insurance: DBS Altitude Visa Signature Card

DBS Altitude Visa Signature Card

DBS Altitude Visa Signature Card

on DBS's website

Annual Fee
S$ 196.20
Monthly Spend Required
None
Airmiles Overseas
Up to 5 miles per dollar
Airmiles Local
1.3 miles per dollar
  • Eligible rewards (3)

  • Card details

Our Pick for Free Checked Bags: Standard Chartered Journey Credit Card (Annual Fee Paying)

Standard Chartered Journey Credit Card (Annual Fee Paying)

Standard Chartered Journey Credit Card (Annual Fee Paying)

on Standard Chartered's website

Annual Fee
S$ 196.20
Monthly Spend Required
None
Airmiles Overseas
2 miles per dollar
Airmiles Local
1.2 miles per dollar
  • Eligible rewards (6)

  • Card details

Our Pick for International Spending: HSBC TravelOne Credit Card

HSBC TravelOne Credit Card

HSBC TravelOne Credit Card

on HSBC's website

Annual Fee
S$ 196.20
Monthly Spend Required
None
Airmiles Overseas
2.4 miles per dollar
Airmiles Local
1.2 miles per dollar
  • Eligible rewards (1)

  • Card details

Our Pick for Discounts: Standard Chartered Rewards+ Credit Card

Standard Chartered Rewards+ Credit Card

Standard Chartered Rewards+ Credit Card

on Standard Chartered's website

Annual Fee
S$ 196.20
Monthly Spend Required
None
Airmiles Overseas
2.9 miles per dollar
Airmiles Local
0.29 miles per dollar
  • Eligible rewards (6)

  • Card details

Our Pick for Earning Miles: UOB Lady's Card

UOB Lady's Card

UOB Lady's Card

on UOB's website

Annual Fee
S$ 196.20
Monthly Spend Required
None
Airmiles Overseas
Up to 10 miles per dollar
Airmiles Local
Up to 10 miles per dollar
  • Eligible rewards (2)

  • Card details

Understanding Miles Credit Cards: Benefits and Features

Miles credit cards offer a unique way to earn travel rewards. These specialised cards cater to frequent flyers and travel enthusiasts in Singapore. Let's explore how they work and why they might be the best credit card for airline miles seekers.

What are miles credit cards?

A credit card for airline miles is a financial product that rewards users with air miles for their spending—these cards often partner with specific airlines or alliances, allowing cardholders to accumulate miles faster than standard rewards cards.

Key advantages of airline-specific credit cards

  • Airline credit cards come with perks that make travel more enjoyable:

  • Accelerated mile earning on travel-related purchases

  • Complimentary lounge access at airports 

  • Priority boarding and check-in

  • Free checked baggage

  • Travel insurance coverage

These benefits can significantly enhance your travel experience and save you money.

How airline miles differ from regular cashback rewards

While cashback offers straightforward savings, airline miles provide flexibility in redemption. Miles can be used for flights, upgrades, or even hotel stays. The value of miles often exceeds that of cashback, especially for long-haul or business-class travel. For savvy travellers, the best credit card for airline miles can yield substantial savings on flights and travel expenses.

Feature

Airline Miles

Cashback

Redemption

Flights, upgrades, hotels

Cash credit on statement

Value

Variable, potentially high

Fixed percentage

Expiration

Often yes

Typically no

Factors to Consider When Choosing an Airline Credit Card

Selecting the best card to earn airline miles in Singapore requires careful consideration. When comparing airline credit cards, several key factors come into play.

  • Annual fees vary significantly among cards. Some charge hefty sums, while others waive fees for the first year. Weigh these costs against the benefits offered.

  • Mile earning rates differ too. Look for cards that align with your spending habits, offering higher rates in categories where you spend most.

  • Redemption options are crucial. Some cards restrict you to specific airlines, while others offer flexibility across multiple carriers and even non-travel rewards.

  • Travel insurance coverage can save you money on separate policies. Check the extent of protection offered, including trip cancellation and medical expenses.

  • Additional perks can tip the scales. Lounge access, priority boarding, or companion passes add value for frequent travellers.

Factor

Importance

Considerations

Annual Fee

High

Cost vs benefits, fee waivers

Mile Earning Rate

High

Spending categories, bonus rates

Redemption Options

Medium

Airline partnerships, transfers

Travel Insurance

Medium

Coverage types, claim process

Additional Perks

Low

Lounge access, priority services

By evaluating these factors, you can make an informed decision in your airline credit card comparison in Singapore, ensuring you choose a card that best suits your travel needs and spending patterns.

Best Miles Credit Card Welcome Bonuses in Singapore

When you're on the hunt for the best airline credit card welcome bonus in Singapore, you're in for a treat. Airlines and banks often team up to offer enticing sign-up perks that can jumpstart your miles collection faster!

Top Sign-up Offers for New Cardholders

New cardholders can snag impressive welcome bonuses that often include a hefty chunk of miles. Some cards might offer up to 50,000 miles just for signing up and meeting a minimum spend requirement. These offers can vary, so it's worth keeping an eye out for the best credit card to earn airline miles that suits your travel habits.

Limited-time Promotional Offers to Watch Out For

Banks frequently roll out special promotions that boost their standard welcome bonuses. These might include extra miles, waived annual fees, or additional travel perks. It's not uncommon to see offers doubling the usual miles or providing statement credits for travel expenses.

How to Maximise Your Welcome Bonus Value

To get the most from your welcome bonus, time your application right. Aim to apply when you have big expenses coming up to meet spending requirements easily. Consider pairing cards to combine bonuses and always read the fine print to understand any restrictions or expiration dates on your miles.

Remember, the best airline credit card welcome bonus isn't just about the highest number of miles. Factor in your travel goals and spending habits to choose a card that will serve you well beyond the initial bonus, perhaps even funding your next holiday.

Top Credit Cards for Earning Airline Miles in Singapore

Choosing the best credit card for airline miles in Singapore can be a game-changer for frequent travellers. We've compiled a list of top contenders to help you maximise your mile-earning potential.

The best card to earn airline miles often depends on your spending habits and preferred airlines. Some cards offer higher rates for specific categories, while others provide flexibility in redeeming miles across multiple carriers.

Card Name

Miles per S$1 Spent (Local)

Miles per S$1 Spent (Overseas)

Annual Fee

Citi Rewards Credit Card

4 mpd

2 mpd

S$196.20

UOB Preferred Platinum Card 4 mpd 4 mpd S$196.20
DBS Altitude Visa Signature Card

1.3 mpd

Ongoing promotion:
5 mpd (on online travel, 1 Sep - 31 Oct)

2.2 mpd

Ongoing promotion: 5 mpd (on foreign currency transactions, 1 Nov - 31 Dec 2024)

S$196.20

For those seeking the best credit card for airline miles, consider factors like mile expiration policies, transfer partners, and bonus categories. Some cards offer accelerated earning rates on dining, travel, or online shopping, which could significantly boost your mile accumulation.

Comparing Miles Credit Cards: Features and Benefits

When choosing an airline credit card in Singapore, it's crucial to weigh up the various features and benefits. Let's break down the key aspects to consider in your airline credit card comparison.

Miles earning rates and structures

Different cards offer varying rates for earning miles. Some provide a flat rate across all spending, while others offer higher rates for specific categories like dining or travel. For instance, the Citi PremierMiles Card offers 1.2 miles per S$1 spent locally, making it a solid choice for everyday spending.

Additional perks and travel benefits

Many airline credit cards come with extra travel perks. These can include priority boarding, free checked baggage, or airport lounge access. The KrisFlyer UOB Credit Card, for example, offers complimentary travel insurance and Scoot exclusive benefits, such as priority check-in and boarding and more baggage allowance.

Annual fees and foreign transaction charges

It's important to consider the annual fee and foreign transaction charges when selecting a credit card for airline miles. Some cards waive the first-year fee, while others charge upfront. The KrisFlyer UOB Credit Card, for instance, has a reasonable annual fee of S$196.20, which is waived for the first year. Remember to factor in these costs when assessing the overall value of the card. If you can find a credit card with annual fee waiver, that would help you save even more on fees and charges.

Frequently asked questions

  • What are the benefits of using an airline credit card?

    Airline credit cards offer several benefits, including accelerated earning of airline miles, priority boarding, free checked luggage, lounge access, and other travel perks. They are designed for frequent travellers who want to maximise their rewards and enjoy enhanced travel experiences.

  • How do airline miles differ from regular cashback rewards?

    Airline miles are a form of travel currency that can be redeemed for flights, upgrades, and other travel-related expenses. Unlike cashback rewards, which provide a percentage back on purchases, airline miles are earned based on spending and can be accumulated for future travel. They often have higher redemption values for flights and offer more flexibility in redemption options.

  • What factors should I consider when choosing an airline credit card?

    When selecting an airline credit card, consider factors such as the annual fee, mile earning rates, redemption options, travel insurance coverage, and additional perks like lounge access or companion passes. Evaluate your travel habits and preferences to determine which features align best with your needs.

  • What are airline credit card welcome bonuses?

    Many airline credit cards offer attractive welcome bonuses to new cardholders, such as a lump sum of bonus miles, travel credits, or companion tickets. These bonuses can provide a significant boost to your miles balance and help offset the annual fee. It's important to understand the requirements and maximize the value of these offers.

  • Which credit cards are best for earning airline miles in Singapore?

    Some of the top credit cards for earning airline miles in Singapore include the Singapore Airlines KrisFlyer Credit Card, the Citi PremierMiles Visa Card, the DBS Vantage Visa Infinite Card, and the OCBC 90°N Card. The best option depends on your spending patterns, preferred airline, and desired benefits.

  • How can I compare airline credit cards effectively?

    To compare airline credit cards effectively, consider factors such as miles earning rates and structures, additional perks and travel benefits, annual fees, and foreign transaction charges. Evaluate how each card aligns with your travel goals, budget, and spending habits to determine the most suitable option for your needs.

  • Can I use airline credit cards for everyday purchases?

    Yes, most airline credit cards allow you to earn miles on everyday purchases. This means you can accumulate miles not just when booking flights, but also when buying groceries, dining out, or shopping. Some cards even offer bonus miles for specific spending categories, allowing you to earn miles faster on your regular expenses.

  • Are there any airline credit cards that offer lounge access in Singapore?

    Yes, several airline credit cards in Singapore offer complimentary lounge access. For example, the Citi PremierMiles Card provides two free visits per year to selected airport lounges worldwide. The OCBC VOYAGE Card offers unlimited access to Dragonpass lounges worldwide. Always check the specific terms and conditions of your card to understand the lounge access benefits.

  • How do I redeem miles earned from my airline credit card?

    The redemption process varies depending on the card and associated airline program. Generally, you can log into your account on the airline's website or app, select 'Redeem Miles' or a similar option, and choose your desired reward. This could be flight bookings, upgrades, hotel stays, or even experiences. Some cards also allow you to transfer miles to partner airlines for more flexibility.

  • Is it worth paying an annual fee for an airline credit card?

    The value of paying an annual fee depends on your travel frequency and spending habits. If you travel often and can take advantage of perks like lounge access, free checked bags, and travel insurance, the benefits may outweigh the fee. Additionally, if you spend enough to earn significant miles, the rewards can offset the annual fee. However, if you travel infrequently, a no annual fee card might be more suitable.

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