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Best Miles Credit Cards With Annual Fee Waiver in Singapore 2024

In Singapore, the best miles cards with annual fee waivers offer travellers the advantage of earning miles without the burden of an annual fee. These cards provide travel rewards, insurance coverage, and more, making them ideal for those seeking travel perks while keeping costs low. Whether you travel frequently or occasionally, these cards offer a valuable way to accumulate miles without the financial commitment of an annual fee.

UOB Lady's Card

Airmiles Local

Up to 10 miles per dollar

info

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

info

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

Min. Annual Income

S$ 30,000

Annual Fee

S$ 196.2

info

First Year Waived

Things to consider for this product:

check

Local & Overseas spending rewards

check

Installment

check

No monthly spend required

remove

Monthly rewards cap applies.

UOB Lady's Solitaire Card

Airmiles Local

6 miles per dollar

info

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

info

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

Min. Annual Income

S$ 120,000

Annual Fee

S$ 414.2

info

First Year Waived

Things to consider for this product:

check

Local spending rebate

check

Installment

check

No monthly spend required

remove

Rebate cap applied

Citi Rewards Card

Airmiles Local

4 miles per dollar

Airmiles Overseas

0.4 miles per dollar

Minimum Annual Income

S$ 30,000

Annual Fee

S$ 196.2

info

First Year Waived

3 Offers Available

SingSaver Concert Giveaway

Get 1x chance to win a VIP Suite Concert Experience

Valid until

04 May 2025

SingSaver Exclusive Offer

S$400 Cash via PayNow

Valid until

04 May 2025

SingSaver Exclusive Offer

2x Poh Heng Treasures 1gm Gold Bar in Yellow Gold (999) (worth S$460 as of 14 Mar 2025)

Valid until

04 May 2025

SingSaver Exclusive Offer

Dyson Supersonic™ hair dryer (worth S$649)

Valid until

04 May 2025

SingSaver Exclusive Offer

Apple iPad (A16) 11" WiFi 128GB (worth S$499)

Valid until

04 May 2025

SingSaver Exclusive Offer

Dyson V12 Origin (worth S$749)

Valid until

04 May 2025

SingSaver Exclusive Offer

DJI Osmo Action 5 Pro Standard Combo (worth S$489)

Valid until

04 May 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 S$1,200 top up

Valid until

04 May 2025

Things to consider for this product:

check

Bonus air miles

check

Travel insurance

check

Annual Fee waiver

check

High-value gift

10X rewards points for all online purchases except mobile wallet and travel-related transactions.
10X rewards points for in-store shopping purchases at department stores, clothing stores and more.
1X rewards points on all other purchases.
Pair with amaze card to turn offline transactions into online transactions.
No cap on base rewards points.
Rewards points conversion rate: 440 Points = S$1
Rewards points are rounded down to the nearest 10 points on all purchases.
Use Citi PayAll to earn ThankYou PointSM when you pay your bills with your Citi Rewards Card.
Up to S$1 million travel insurance coverage when you charge your travel tickets to this card. There will be a revision made to the Citi Credit Cards complimentary travel insurance. The Travel Insurance coverage in respect of a Trip charged to Citi Rewards Card will be updated to end on 31 March 2026. For more information, please click here.
Read our full review of the Citi Rewards Card
Bonus rewards points capped at 9,000 points per statement month

Gift Options

Get 1x chance to win a VIP Suite Concert Experience

Gift Options

S$400 Cash via PayNow; or
2x Poh Heng Treasures 1gm Gold Bar in Yellow Gold (999) (worth S$460 as of 14 Mar 2025); or
Dyson Supersonic™ hair dryer (worth S$649); or
Apple iPad (A16) 11" WiFi 128GB (worth S$499); or
Dyson V12 Origin (worth S$749); or
DJI Osmo Action 5 Pro Standard Combo (worth S$489)

Gift Options

Save S$549 on an Apple iPhone 16 Pro 256GB (worth S$1,749) by upgrading your reward with a S$1,200 top up

DBS Woman's World Card

Airmiles Local

4 miles per dollar

info

10X DBS Points per S$5

Airmiles Overseas

4 miles per dollar

info

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

Minimum Annual Income

S$ 80,000

info

Both Singaporean or Foreigner

Annual Fee

S$ 196.2

info

First Year Waived

Things to consider for this product:

check

Online shopping rebate

check

Overseas rebate

check

Installment

remove

Rebate cap applied

HSBC Revolution Credit Card

Airmiles Local

Up to 4 miles per dollar

info

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.

Minimum Annual Income

S$ 30,000

Annual Fee

No Annual Fee

3 Offers Available

SingSaver Concert Giveaway

Get 1x chance to win a VIP Suite Concert Experience

Valid until

04 May 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 S$1,200 top up

+ 1 other gift options

Valid until

04 May 2025

Richest Offer in the Market, Exclusively on SingSaver

S$400 Cash via PayNow

Valid until

04 May 2025

Richest Offer in the Market, Exclusively on SingSaver

Apple iPad (A16) 11" WiFi 128GB (worth S$499)

Valid until

04 May 2025

Richest Offer in the Market, Exclusively on SingSaver

Dyson V12 Origin (worth S$749)

Valid until

04 May 2025

Richest Offer in the Market, Exclusively on SingSaver

Dyson Supersonic™ hair dryer (worth S$649)

Valid until

04 May 2025

Richest Offer in the Market, Exclusively on SingSaver

GoPro HERO13 Black Action Camera (worth $590)

Valid until

04 May 2025

Things to consider for this product:

check

Online shopping rebate

check

Travel rebate

check

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

Get 1x chance to win a VIP Suite Concert Experience

Gift Options

Save S$514 on a Sony PlayStation® 5 Digital Edition (Slim) (worth S$669) with a S$155 top up; or
Save S$549 on an Apple iPhone 16 Pro 256GB (worth S$1,749) by upgrading your reward with a S$1,200 top up

Gift Options

S$400 Cash via PayNow; or
Apple iPad (A16) 11" WiFi 128GB (worth S$499); or
Dyson V12 Origin (worth S$749); or
Dyson Supersonic™ hair dryer (worth S$649); or
GoPro HERO13 Black Action Camera (worth $590)

(Creatory Exclusive) HSBC Revolution Credit Card

Airmiles Local

Up to 4 miles per dollar

info

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.

Minimum Annual Income

S$ 30,000

Annual Fee

No Annual Fee

Things to consider for this product:

check

Online shopping rebate

check

Travel rebate

check

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).

(Creatory Exclusive) Citi Rewards Card

Airmiles Local

4 miles per dollar

Airmiles Overseas

0.4 miles per dollar

Minimum Annual Income

S$ 30,000

Annual Fee

S$ 196.2

info

First Year Waived

Things to consider for this product:

check

Bonus air miles

check

Travel insurance

check

Annual Fee waiver

check

High-value gift

10X rewards points for all online purchases except mobile wallet and travel-related transactions.
10X rewards points for in-store shopping purchases at department stores, clothing stores and more.
1X rewards points on all other purchases.
Pair with amaze card to turn offline transactions into online transactions.
No cap on base rewards points.
Rewards points conversion rate: 440 Points = S$1
Rewards points are rounded down to the nearest 10 points on all purchases.
Use Citi PayAll to earn ThankYou PointSM when you pay your bills with your Citi Rewards Card.
Up to S$1 million travel insurance coverage when you charge your travel tickets to this card. There will be a revision made to the Citi Credit Cards complimentary travel insurance. The Travel Insurance coverage in respect of a Trip charged to Citi Rewards Card will be updated to end on 31 March 2026. For more information, please click here.
Read our full review of the Citi Rewards Card
Bonus rewards points capped at 9,000 points per statement month

(Fast Fulfillment Rewards) HSBC Revolution Credit Card

Airmiles Local

Up to 4 miles per dollar

info

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.

Minimum Annual Income

S$ 30,000

Annual Fee

No Annual Fee

Things to consider for this product:

check

Online shopping rebate

check

Travel rebate

check

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).

(Fast Fulfillment Rewards) Citi Rewards Card

Airmiles Local

4 miles per dollar

Airmiles Overseas

0.4 miles per dollar

Minimum Annual Income

S$ 30,000

Annual Fee

S$ 196.2

info

First Year Waived

Things to consider for this product:

check

Bonus air miles

check

Travel insurance

check

Annual Fee waiver

check

High-value gift

10X rewards points for all online purchases except mobile wallet and travel-related transactions.
10X rewards points for in-store shopping purchases at department stores, clothing stores and more.
1X rewards points on all other purchases.
Pair with amaze card to turn offline transactions into online transactions.
No cap on base rewards points.
Rewards points conversion rate: 440 Points = S$1
Rewards points are rounded down to the nearest 10 points on all purchases.
Use Citi PayAll to earn ThankYou PointSM when you pay your bills with your Citi Rewards Card.
Up to S$1 million travel insurance coverage when you charge your travel tickets to this card. There will be a revision made to the Citi Credit Cards complimentary travel insurance. The Travel Insurance coverage in respect of a Trip charged to Citi Rewards Card will be updated to end on 31 March 2026. For more information, please click here.
Read our full review of the Citi Rewards Card
Bonus rewards points capped at 9,000 points per statement month

(Dobin Exclusive) Citi Rewards Card

Airmiles Local

4 miles per dollar

Airmiles Overseas

0.4 miles per dollar

Minimum Annual Income

S$ 30,000

Annual Fee

S$ 196.2

info

First Year Waived

Offer Available

Dobin Exclusive Offer

3,200 Dobin$

Valid until

30 April 2025

Things to consider for this product:

check

Bonus air miles

check

Travel insurance

check

Annual Fee waiver

check

High-value gift

10X rewards points for all online purchases except mobile wallet and travel-related transactions.
10X rewards points for in-store shopping purchases at department stores, clothing stores and more.
1X rewards points on all other purchases.
Pair with amaze card to turn offline transactions into online transactions.
No cap on base rewards points.
Rewards points conversion rate: 440 Points = S$1
Rewards points are rounded down to the nearest 10 points on all purchases.
Use Citi PayAll to earn ThankYou PointSM when you pay your bills with your Citi Rewards Card.
Up to S$1 million travel insurance coverage when you charge your travel tickets to this card. There will be a revision made to the Citi Credit Cards complimentary travel insurance. The Travel Insurance coverage in respect of a Trip charged to Citi Rewards Card will be updated to end on 31 March 2026. For more information, please click here.
Read our full review of the Citi Rewards Card
Bonus rewards points capped at 9,000 points per statement month

(Heymax Exclusive) Citi Rewards Card

Airmiles Local

4 miles per dollar

Airmiles Overseas

0.4 miles per dollar

Minimum Annual Income

S$ 30,000

Annual Fee

S$ 196.2

info

First Year Waived

Offer Available

Heymax Exclusive Offer

17,000 Max Miles

Valid until

30 April 2025

Things to consider for this product:

check

Bonus air miles

check

Travel insurance

check

Annual Fee waiver

check

High-value gift

10X rewards points for all online purchases except mobile wallet and travel-related transactions.
10X rewards points for in-store shopping purchases at department stores, clothing stores and more.
1X rewards points on all other purchases.
Pair with amaze card to turn offline transactions into online transactions.
No cap on base rewards points.
Rewards points conversion rate: 440 Points = S$1
Rewards points are rounded down to the nearest 10 points on all purchases.
Use Citi PayAll to earn ThankYou PointSM when you pay your bills with your Citi Rewards Card.
Up to S$1 million travel insurance coverage when you charge your travel tickets to this card. There will be a revision made to the Citi Credit Cards complimentary travel insurance. The Travel Insurance coverage in respect of a Trip charged to Citi Rewards Card will be updated to end on 31 March 2026. For more information, please click here.
Read our full review of the Citi Rewards Card
Bonus rewards points capped at 9,000 points per statement month

(Heymax Exclusive) HSBC Revolution Credit Card

Airmiles Local

Up to 4 miles per dollar

info

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.

Minimum Annual Income

S$ 30,000

Annual Fee

No Annual Fee

Offer Available

Heymax Exclusive Offer

12,000 Max Miles

Valid until

30 April 2025

Things to consider for this product:

check

Online shopping rebate

check

Travel rebate

check

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).

(Dobin Exclusive) HSBC Revolution Credit Card

Airmiles Local

Up to 4 miles per dollar

info

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.

Minimum Annual Income

S$ 30,000

Annual Fee

No Annual Fee

Offer Available

Dobin Exclusive Offer

2,400 Dobin$

Valid until

30 April 2025

Things to consider for this product:

check

Online shopping rebate

check

Travel rebate

check

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).

KrisFlyer UOB Credit Card

Airmiles Local

3 miles per dollar

info

Everyday spend categories: dining, food delivery, online shopping, travel and transport, with at least S$800 annual spend on Singapore Airlines, Scoot, and/or KrisShop.

Airmiles Overseas

3 miles per dollar

Minimum Annual Income

S$ 30,000

Annual Fee

S$ 196.2

info

First Year Waived

Things to consider for this product:

check

KrisFlyer miles

check

Unlimited miles

check

1st year annual fee waiver

DBS Woman's Card

Airmiles Local

Up to 2 miles per dollar

info

5X DBS Points per S$5

Airmiles Overseas

0.4 miles per dollar

info

1X DBS Point per S$5

Minimum Annual Income

S$ 30,000

info

S$30,000 and above per annum (Singaporean). S$45,000 and above per annum (Foreigner).

Annual Fee

S$ 163.5

info

First Year Waived

Things to consider for this product:

check

Online shopping rebate

check

Overseas rebate

check

Installment

remove

Rebate cap applied

UOB PRVI Miles American Express Card

Airmiles Local

1.4 miles per dollar

Airmiles Overseas

Up to 3 miles per dollar

Minimum Annual Income

S$ 30,000

Annual Fee

S$ 261.6

info

First Year Waived

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 per calendar year for principal cardmembers.
Earn up to 8 miles per S$1 spend (UNI$20 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
Terms and conditions apply for all above-mentioned privileges. Visit here for more details. Insured up to S$100,000 by SDIC.

UOB PRVI Miles Visa Card

Airmiles Local

1.4 miles per dollar

Airmiles Overseas

Up to 3 miles per dollar

Minimum Annual Income

S$ 30,000

Annual Fee

S$ 261.6

info

First Year Waived

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 per calendar year for principal cardmembers.
Earn up to 8 miles per S$1 spend (UNI$20 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
Terms and conditions apply for all above-mentioned privileges. Visit here for more details. Insured up to S$100,000 by SDIC.

UOB PRVI Miles World MasterCard

Airmiles Local

1.4 miles per dollar

Airmiles Overseas

Up to 3 miles per dollar

Minimum Annual Income

S$ 30,000

Annual Fee

S$ 261.6

info

First Year Waived

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 per calendar year for principal cardmembers.
Earn up to 8 miles per S$1 spend (UNI$20 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
Terms and conditions apply for all above-mentioned privileges. Visit here for more details. Insured up to S$100,000 by SDIC.

DBS Altitude Visa Signature Card

Airmiles Local

Up to 1.3 miles per dollar

Airmiles Overseas

Up to 2.2 miles per dollar

info

On overseas spend made in foreign currency.

Minimum Annual Income

S$ 30,000

Annual Fee

S$ 196.2

info

First Year Waived

Offer Available

SingSaver Exclusive Offer

Nintendo Switch OLED (worth S$549)

+ 3 other gift options

Valid until

30 April 2025

Things to consider for this product:

check

Bonus air miles

check

Airport lounge

check

No expiry air miles

check

Unlimited air miles

DBS Altitude American Express Card

Airmiles Local

Up to 1.3 miles per dollar

Airmiles Overseas

Up to 2.2 miles per dollar

info

On overseas spend made in foreign currency.

Minimum Annual Income

S$ 30,000

Annual Fee

S$ 196.2

info

First Year Waived

Offer Available

SingSaver Exclusive Offer

Nintendo Switch OLED (worth S$549)

+ 3 other gift options

Valid until

30 April 2025

Things to consider for this product:

check

Bonus air miles

check

Airport lounge

check

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

Minimum Annual Income

S$ 30,000

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 AirPods Gen 4 (worth S$199)

Valid until

01 May 2025

SingSaver Exclusive Offer

Stryv Color+ hair dryer (worth S$129)

Valid until

01 May 2025

SingSaver Exclusive Offer

S$170 Shopee Voucher

Valid until

01 May 2025

SingSaver Exclusive Offer

S$150 Cash via PayNow

Valid until

01 May 2025

Stackable Welcome Offer

1 Year Disney+ Premium Subscription

Valid until

30 April 2025

Things to consider for this product:

check

Unlimited air miles

check

No expiry air miles

check

Bonus air miles

OCBC 90°N Mastercard

Airmiles Local

1.3 miles per dollar

Airmiles Overseas

2.1 miles per dollar

info

Get up to

Min. Annual Income

S$ 30,000

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 AirPods Gen 4 (worth S$199)

Valid until

01 May 2025

SingSaver Exclusive Offer

Stryv Color+ hair dryer (worth S$129)

Valid until

01 May 2025

SingSaver Exclusive Offer

S$170 Shopee Voucher

Valid until

01 May 2025

SingSaver Exclusive Offer

S$150 Cash via PayNow

Valid until

01 May 2025

Stackable Welcome Offer

1 Year Disney+ Premium Subscription

Valid until

30 April 2025

Things to consider for this product:

check

No expiry air miles

check

Unlimited air miles

remove

No monthly spend required

Citi PremierMiles Card

Airmiles Local

1.2 miles per dollar

Airmiles Overseas

2.2 miles per dollar

Minimum Annual Income

S$ 30,000

Annual Fee

S$ 196.2

info

First Year Waived

3 Offers Available

SingSaver Concert Giveaway

Get 1x chance to win a VIP Suite Concert Experience

Valid until

04 May 2025

SingSaver Exclusive Offer

S$400 Cash via PayNow

Valid until

04 May 2025

SingSaver Exclusive Offer

2x Poh Heng Treasures 1gm Gold Bar in Yellow Gold (999) (worth S$460 as of 14 Mar 2025)

Valid until

04 May 2025

SingSaver Exclusive Offer

Dyson Supersonic™ hair dryer (worth S$649)

Valid until

04 May 2025

SingSaver Exclusive Offer

Apple iPad (A16) 11" WiFi 128GB (worth S$499)

Valid until

04 May 2025

SingSaver Exclusive Offer

Dyson V12 Origin (worth S$749)

Valid until

04 May 2025

SingSaver Exclusive Offer

DJI Osmo Action 5 Pro Standard Combo (worth S$489)

Valid until

04 May 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 S$1,200 top up

Valid until

04 May 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. There will be a revision made to the Citi Credit Cards complimentary travel insurance. The Travel Insurance coverage in respect of a Trip charged to Citi PremierMiles Card will be updated to end on 31 March 2026. For more information, please click here.
11 different airline and hotel transfer partners.
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

Get 1x chance to win a VIP Suite Concert Experience

Gift Options

S$400 Cash via PayNow; or
2x Poh Heng Treasures 1gm Gold Bar in Yellow Gold (999) (worth S$460 as of 14 Mar 2025); or
Dyson Supersonic™ hair dryer (worth S$649); or
Apple iPad (A16) 11" WiFi 128GB (worth S$499); or
Dyson V12 Origin (worth S$749); or
DJI Osmo Action 5 Pro Standard Combo (worth S$489)

Gift Options

Save S$549 on an Apple iPhone 16 Pro 256GB (worth S$1,749) by upgrading your reward with a S$1,200 top up

HSBC TravelOne Credit Card

Airmiles Local

1.2 miles per dollar

Airmiles Overseas

2.4 miles per dollar

Minimum Annual Income

S$ 30,000

Annual Fee

S$ 196.2

3 Offers Available

SingSaver Concert Giveaway

Get 1x chance to win a VIP Suite Concert Experience

Valid until

04 May 2025

Upgrade Your Rewards with a Simple Top-Up

Save S$514 on a Sony PlayStation® 5 Digital Edition (Slim) (worth S$669) with a S$155 top up

+ 1 other gift options

Valid until

04 May 2025

Richest Offer in the Market, Exclusively on SingSaver

S$400 Cash via PayNow

Valid until

04 May 2025

Richest Offer in the Market, Exclusively on SingSaver

Apple iPad (A16) 11" WiFi 128GB (worth S$499)

Valid until

04 May 2025

Richest Offer in the Market, Exclusively on SingSaver

Dyson V12 Origin (worth S$749)

Valid until

04 May 2025

Richest Offer in the Market, Exclusively on SingSaver

Dyson Supersonic™ hair dryer (worth S$649)

Valid until

04 May 2025

Richest Offer in the Market, Exclusively on SingSaver

GoPro HERO13 Black Action Camera (worth $590)

Valid until

04 May 2025

Things to consider for this product:

check

Unlimited air miles

check

Airport lounge

check

Travel insurance

check

Bonus air miles

Gift Options

Get 1x chance to win a VIP Suite Concert Experience

Gift Options

Save S$514 on a Sony PlayStation® 5 Digital Edition (Slim) (worth S$669) with a S$155 top up; or
Save S$549 on an Apple iPhone 16 Pro 256GB (worth S$1,749) by upgrading your reward with a S$1,200 top up

Gift Options

S$400 Cash via PayNow; or
Apple iPad (A16) 11" WiFi 128GB (worth S$499); or
Dyson V12 Origin (worth S$749); or
Dyson Supersonic™ hair dryer (worth S$649); or
GoPro HERO13 Black Action Camera (worth $590)

Standard Chartered Journey Credit Card (Annual Fee Paying)

Airmiles Local

1.2 miles per dollar

Airmiles Overseas

2 miles per dollar

Minimum Annual Income

S$ 30,000

Annual Fee

S$ 196.2

info

First Year Waived (Optional)

2 Offers Available

SingSaver Concert Giveaway

Get 1x chance to win a VIP Suite Concert Experience

Valid until

04 May 2025

SingSaver Exclusive Offer

Up to 42,000 Miles

Valid until

04 May 2025

SingSaver Exclusive Offer

S$180 Cash + 30,000 miles

Valid until

04 May 2025

SingSaver Exclusive Offer

Samsonite Straren Spinner 67/24 worth S$600 + 30,000 miles

Valid until

04 May 2025

SingSaver Exclusive Offer

S$250 Shopee Vouchers + 30,000 miles

Valid until

04 May 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$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

Get 1x chance to win a VIP Suite Concert Experience

Gift Options

Up to 42,000 Miles; or
S$180 Cash + 30,000 miles; or
Samsonite Straren Spinner 67/24 worth S$600 + 30,000 miles; or
S$250 Shopee Vouchers + 30,000 miles

Winner - Travel Credit Card of the Year by The Digital Banker Winner - Best Travel Credit Card by TripZilla

Maybank Horizon Visa Signature Card

Airmiles Local

1.2 miles per dollar

info

On dining, petrol, Grab or taxi rides and Agoda hotel bookings.

Airmiles Overseas

2.8 miles per dollar

info

On foreign spend. 7X TREATS Points per S$1 spent, equivalent to 2.8 miles per dollar

Minimum Annual Income

S$ 30,000

info

S$30,000 (Singaporean & PR) S$45,000 (Malaysian Citizen) S$60,000 (Foreigner).

Annual Fee

S$ 196.2

info

First Three Years Waived

Things to consider for this product:

check

Overseas/Foreign spend

check

Air tickets

check

Dining

remove

Rebate cap applied

Citi PremierMiles Card + Citi Wealth First Account Bundle

Airmiles Local

1.2 miles per dollar

Airmiles Overseas

2.2 miles per dollar

Minimum Annual Income

S$ 30,000

Annual Fee

S$ 196.2

info

First Year Waived

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. There will be a revision made to the Citi Credit Cards complimentary travel insurance. The Travel Insurance coverage in respect of a Trip charged to Citi PremierMiles Card will be updated to end on 31 March 2026. For more information, please click here.
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.

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

Minimum Annual Income

S$ 30,000

Annual Fee

S$ 196.2

info

First Year Waived (Optional)

2 Offers Available

SingSaver Concert Giveaway

Get 1x chance to win a VIP Suite Concert Experience

Valid until

04 May 2025

SingSaver Exclusive Offer

Up to 42,000 Miles

Valid until

04 May 2025

SingSaver Exclusive Offer

S$180 Cash + 30,000 miles

Valid until

04 May 2025

SingSaver Exclusive Offer

Samsonite Straren Spinner 67/24 worth S$600 + 30,000 miles

Valid until

04 May 2025

SingSaver Exclusive Offer

S$250 Shopee Vouchers + 30,000 miles

Valid until

04 May 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$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

Get 1x chance to win a VIP Suite Concert Experience

Gift Options

Up to 42,000 Miles; or
S$180 Cash + 30,000 miles; or
Samsonite Straren Spinner 67/24 worth S$600 + 30,000 miles; or
S$250 Shopee Vouchers + 30,000 miles

(Creatory Exclusive) HSBC TravelOne Credit Card

Airmiles Local

1.2 miles per dollar

Airmiles Overseas

2.4 miles per dollar

Minimum Annual Income

S$ 30,000

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

(Creatory Exclusive) Citi PremierMiles Card

Airmiles Local

1.2 miles per dollar

Airmiles Overseas

2.2 miles per dollar

Minimum Annual Income

S$ 30,000

Annual Fee

S$ 196.2

info

First Year Waived

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. There will be a revision made to the Citi Credit Cards complimentary travel insurance. The Travel Insurance coverage in respect of a Trip charged to Citi PremierMiles Card will be updated to end on 31 March 2026. For more information, please click here.
11 different airline and hotel transfer partners.
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.

(Loyalty Rewards) Standard Chartered Journey Credit Card (Annual Fee Paying)

Airmiles Local

1.2 miles per dollar

Airmiles Overseas

2 miles per dollar

Minimum Annual Income

S$ 30,000

Annual Fee

S$ 196.2

info

First Year Waived (Optional)

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$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.

Highest combined miles rewards Fastest Cash Fulfillment

(Loyalty Rewards) Standard Chartered Journey Credit Card (Annual Fee Waiver)

Airmiles Local

1.2 miles per dollar

Airmiles Overseas

2 miles per dollar

Minimum Annual Income

S$ 30,000

Annual Fee

S$ 196.2

info

First Year Waived (Optional)

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$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.

(Fast Fulfillment Rewards) HSBC TravelOne Credit Card

Airmiles Local

1.2 miles per dollar

Airmiles Overseas

2.4 miles per dollar

Minimum Annual Income

S$ 30,000

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

(Fast Fulfillment Rewards) Citi PremierMiles Card

Airmiles Local

1.2 miles per dollar

Airmiles Overseas

2.2 miles per dollar

Minimum Annual Income

S$ 30,000

Annual Fee

S$ 196.2

info

First Year Waived

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. There will be a revision made to the Citi Credit Cards complimentary travel insurance. The Travel Insurance coverage in respect of a Trip charged to Citi PremierMiles Card will be updated to end on 31 March 2026. For more information, please click here.
11 different airline and hotel transfer partners.
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.

(Dobin Exclusive) Citi PremierMiles Card

Airmiles Local

1.2 miles per dollar

Airmiles Overseas

2.2 miles per dollar

Minimum Annual Income

S$ 30,000

Annual Fee

S$ 196.2

info

First Year Waived

Offer Available

Dobin Exclusive Offer

3,200 Dobin$

Valid until

30 April 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. There will be a revision made to the Citi Credit Cards complimentary travel insurance. The Travel Insurance coverage in respect of a Trip charged to Citi PremierMiles Card will be updated to end on 31 March 2026. For more information, please click here.
11 different airline and hotel transfer partners.
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.

(Dobin Exclusive) Standard Chartered Journey Credit Card (Annual Fee Paying)

Airmiles Local

1.2 miles per dollar

Airmiles Overseas

2 miles per dollar

Minimum Annual Income

S$ 30,000

Annual Fee

S$ 196.2

info

First Year Waived (Optional)

Offer Available

Dobin Exclusive Offer

1,500 Dobin$

Valid until

30 April 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$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.

Highest combined miles rewards Fastest Cash Fulfillment

(Dobin Exclusive) Standard Chartered Journey Credit Card (Annual Fee Waiver)

Airmiles Local

1.2 miles per dollar

Airmiles Overseas

2 miles per dollar

Minimum Annual Income

S$ 30,000

Annual Fee

S$ 196.2

info

First Year Waived (Optional)

Offer Available

Dobin Exclusive Offer

1,500 Dobin$

Valid until

30 April 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$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.

(Heymax Exclusive) Citi PremierMiles Card

Airmiles Local

1.2 miles per dollar

Airmiles Overseas

2.2 miles per dollar

Minimum Annual Income

S$ 30,000

Annual Fee

S$ 196.2

info

First Year Waived

Offer Available

Heymax Exclusive Offer

17,000 Max Miles

Valid until

30 April 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. There will be a revision made to the Citi Credit Cards complimentary travel insurance. The Travel Insurance coverage in respect of a Trip charged to Citi PremierMiles Card will be updated to end on 31 March 2026. For more information, please click here.
11 different airline and hotel transfer partners.
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.

(Heymax Exclusive) HSBC TravelOne Credit Card

Airmiles Local

1.2 miles per dollar

Airmiles Overseas

2.4 miles per dollar

Minimum Annual Income

S$ 30,000

Annual Fee

S$ 196.2

Offer Available

Heymax Exclusive Offer

12,000 Max Miles

Valid until

30 April 2025

Things to consider for this product:

check

Unlimited air miles

check

Airport lounge

check

Travel insurance

check

Bonus air miles

Highest combined miles rewards Fastest Cash Fulfillment

(Heymax Exclusive) Standard Chartered Journey Credit Card (Annual Fee Waiver)

Airmiles Local

1.2 miles per dollar

Airmiles Overseas

2 miles per dollar

Minimum Annual Income

S$ 30,000

Annual Fee

S$ 196.2

info

First Year Waived (Optional)

Offer Available

Heymax Exclusive Offer

8,500 Max Miles

Valid until

30 April 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$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.

(Heymax Exclusive) Standard Chartered Journey Credit Card (Annual Fee Paying)

Airmiles Local

1.2 miles per dollar

Airmiles Overseas

2 miles per dollar

Minimum Annual Income

S$ 30,000

Annual Fee

S$ 196.2

info

First Year Waived (Optional)

Offer Available

Heymax Exclusive Offer

8,500 Max Miles

Valid until

30 April 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$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.

(Dobin Exclusive) HSBC TravelOne Credit Card

Airmiles Local

1.2 miles per dollar

Airmiles Overseas

2.4 miles per dollar

Minimum Annual Income

S$ 30,000

Annual Fee

S$ 196.2

Offer Available

Dobin Exclusive Offer

2,400 Dobin$

Valid until

30 April 2025

Things to consider for this product:

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Unlimited air miles

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Airport lounge

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Travel insurance

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Bonus air miles

American Express Singapore Airlines KrisFlyer Credit Card

Airmiles Local

1.1 miles per dollar

Airmiles Overseas

1.1 miles per dollar

Min. Annual Income

Conditional

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Card application is subjected to customers meeting the regulatory minimum income requirement and internal assessment

Annual Fee

S$ 179.85

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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

28 May 2025

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No monthly spend required

Maybank World Mastercard

Airmiles Local

0.4 miles per dollar

Airmiles Overseas

0.4 miles per dollar

Minimum Annual Income

S$ 80,000

Annual Fee

S$ 261.6

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First Year Waived

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Dining rebate

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Retail rebate

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Petrol rebate

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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.

Minimum Annual Income

S$ 30,000

Annual Fee

S$ 196.2

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First Year Waived

2 Offers Available

SingSaver Concert Giveaway

Get 1x chance to win a VIP Suite Concert Experience

Valid until

04 May 2025

SingSaver Exclusive Offer

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

Valid until

04 May 2025

SingSaver Exclusive Offer

Hinomi H1 Classic V3 Ergonomic Office Chair without Headrest (worth S$659)

Valid until

04 May 2025

SingSaver Exclusive Offer

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

Valid until

04 May 2025

SingSaver Exclusive Offer

S$250 Shopee voucher

Valid until

04 May 2025

SingSaver Exclusive Offer

S$200 Cash via PayNow

Valid until

04 May 2025

Things to consider for this product:

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Overseas rebate

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No monthly spend required

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Travel insurance

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Rebate cap applied

Gift Options

Get 1x chance to win a VIP Suite Concert Experience

Gift Options

Apple iPad 9th Gen 10.2" WiFi 64GB (worth S$479); or
Hinomi H1 Classic V3 Ergonomic Office Chair without Headrest (worth S$659) ; or
Xiaomi Truclean W20 Wet Dry Vacuum (worth S$249) ; or
S$250 Shopee voucher; or
S$200 Cash via PayNow

Fastest Cash Fulfillment

(Loyalty Rewards) 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.

Minimum Annual Income

S$ 30,000

Annual Fee

S$ 196.2

info

First Year Waived

Things to consider for this product:

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Overseas rebate

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No monthly spend required

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Travel insurance

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Rebate cap applied

Fastest Cash Fulfillment

(Dobin Exclusive) 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.

Minimum Annual Income

S$ 30,000

Annual Fee

S$ 196.2

info

First Year Waived

Offer Available

Dobin Exclusive Offer

2,000 Dobin$

Valid until

30 April 2025

Things to consider for this product:

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Overseas rebate

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No monthly spend required

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Travel insurance

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Rebate cap applied

Fastest Cash Fulfillment

(Heymax Exclusive) 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.

Minimum Annual Income

S$ 30,000

Annual Fee

S$ 196.2

info

First Year Waived

Offer Available

Heymax Exclusive Offer

10,000 Max Miles

Valid until

30 April 2025

Things to consider for this product:

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Overseas rebate

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No monthly spend required

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Travel insurance

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Rebate cap applied

How does a Miles Credit Card With Annual Fee Waiver work?

A Miles Credit Card With Annual Fee Waiver lets you earn miles for spending while not charging the annual fee, usually for the first year. You accumulate miles based on your transactions, which you can redeem for travel rewards. To keep the fee waiver in subsequent years, you might need to meet specific criteria set by the issuer.

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How to best use a Miles Credit Card With Annual Fee Waiver?

To make the most of a miles credit card with an annual fee waiver, follow these strategies:

Maximise first-year benefits

If you didn’t know, the annual fee is waived for the initial year for most miles credit cards. In light of that, take advantage of this first year to reap sign-up bonuses, accumulate miles, and explore the card's perks.

Pro-tip: For some miles cards, new cardholders also have the option of paying the first year’s annual fee in exchange for welcome bonus miles. On the other hand, there are miles credit cards that reward new cardholders with the welcome bonus miles as long as a minimum spend is met during a certain period from the card approval date (e.g. within 30 days of card approval).

Optimise your spending strategy

Concentrate your spending on categories that offer higher miles rewards rates. This can include travel, dining, retail, transport, entertainment, and other categories – what the eligible categories earning bonus miles depend on the card itself.

For instance, the UOB PRVI Miles Card rewards 1.4 mpd on local spend and 2.4 mpd on overseas spend respectively. However, it rewards a whopping 6 mpd on major airlines and hotels booked via Agoda, Expedia, and UOB Travel. Hence, it’s the optimal miles credit card for securing online travel bookings.

Optimising your spending strategy also involves keeping track of expenses so you are able to be aware of where you are at with regard to hitting the requirements for annual fee waivers. Utilise mobile apps and online account management tools to stay organized.

Pro-tip: Don’t be afraid to call up the issuing bank’s hotline and request an update on your month’s credit card statement. Once the actual statement is formally issued to you for the month, it’ll be hard to increase your spending in time if you’ve failed to hit the spend requirement.

Moreover, not all spend might be eligible if the annual fee waiver is part of the card’s sign-up promotion. For example, paying off a S$200 medical bill might not be deemed as relevant “retail” spend necessary for the card’s minimum spend requirement. That’s why it’s pertinent to check and track your spending with the bank where possible.

Meet renewal criteria

To maintain the annual fee waiver in subsequent years, fulfil any spending or usage criteria set by the issuer. Plan your spending to align with these requirements.

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Who should use a Miles Credit Card With Annual Fee Waiver?

A Miles Credit Card With Annual Fee Waiver is particularly suitable for individuals who want to enjoy the benefits of earning miles without the financial commitment of an annual fee. This type of card is well-suited for these types of credit card users:

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Things to look out for when choosing a Miles Credit Card With Annual Fee Waiver

When selecting a miles credit card with an annual fee waiver, consider these key factors to ensure you're making an informed decision.

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Do I need to spend a certain amount to qualify for the annual fee waiver?

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Some miles credit cards might require you to meet a minimum spending requirement within a certain timeframe to qualify for the annual fee waiver. Read the terms and conditions carefully to understand these requirements.

However, it’s more common to see miles credit cards requiring a certain spend amount within a certain timeframe for welcome bonus offers – like spending a minimum of S$500 eligible spend within 30 days of card approval to earn 10,000 welcome bonus miles or something to that effect.

What happens after the complimentary annual fee waiver period ends?

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After the waiver period ends, you will typically be charged the annual fee on your credit card. It's a good idea to evaluate whether the rewards and benefits you receive from the card justify the annual fee.

How to request subsequent credit card annual fee waivers?

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When requesting an annual fee waiver for a miles credit card in Singapore, reach out to the card issuer's customer service. Politely express your interest in the waiver, highlighting your loyalty and providing the necessary account details.

Explain any relevant reasons or situations that warrant the waiver. The issuer might offer options like immediate waiver, partial waiver, or criteria for approval. Follow any instructions given, such as submitting documents or meeting spending requirements. Keep in mind that outcomes vary based on issuer policies, so approach the process professionally and be open to different results.

Although in recent years, it’s become more common practice to request an annual fee waiver via the banks’ apps or 24/7 chat assistance. Refer to your respective issuing bank for more details.

What is the average cost of annual fees for a miles credit card in Singapore?

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The average annual fee for a miles credit card in Singapore starts from S$194.40, depending on the card's features and benefits. Premium or exclusive cards might have higher fees (e.g. S$540 for the Citi Prestige Card) due to enhanced perks. Consider the rewards and benefits against the fee to assess value.

Can I cancel the miles credit card before the annual fee becomes due?

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Yes, you can cancel the miles credit card before the annual fee is charged if you decide that the card's benefits are no longer worth the fee. However, consider the impact on your credit score and whether you might lose any accumulated rewards.

Is it worth getting a miles credit card with annual fee waiver if I don’t travel frequently?

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It depends on the card's benefits beyond travel rewards. Some cards offer cashback, discounts, or other perks that might still be valuable to you, even if you don't travel often. Remember to carefully read the terms and conditions of any credit card you're considering and compare it with other options to ensure it aligns with your financial goals and spending habits. But at the end of the day, a complimentary annual fee waiver is a free year of card membership, so why not give a miles credit card a try?

Best Miles Credit Cards With Annual Fee Waiver in Singapore 2024

UOB Lady's Card

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UOB Lady's Solitaire Card

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Citi Rewards Card

3 Offers Available

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DBS Woman's World Card

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Quick Facts

HSBC Revolution Credit Card

3 Offers Available

Things to consider for this product:

Quick Facts

(Creatory Exclusive) HSBC Revolution Credit Card

Things to consider for this product:

Quick Facts

(Creatory Exclusive) Citi Rewards Card

Things to consider for this product:

Quick Facts

(Fast Fulfillment Rewards) HSBC Revolution Credit Card

Things to consider for this product:

Quick Facts

(Fast Fulfillment Rewards) Citi Rewards Card

Things to consider for this product:

Quick Facts

(Dobin Exclusive) Citi Rewards Card

Offer Available

Things to consider for this product:

Quick Facts

(Heymax Exclusive) Citi Rewards Card

Offer Available

Things to consider for this product:

Quick Facts

(Heymax Exclusive) HSBC Revolution Credit Card

Offer Available

Things to consider for this product:

Quick Facts

(Dobin Exclusive) HSBC Revolution Credit Card

Offer Available

Things to consider for this product:

Quick Facts

KrisFlyer UOB Credit Card

Things to consider for this product:

Quick Facts

DBS Woman's Card

Things to consider for this product:

Quick Facts

UOB PRVI Miles American Express Card

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Quick Facts

UOB PRVI Miles Visa Card

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Quick Facts

UOB PRVI Miles World MasterCard

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

Citi PremierMiles Card

3 Offers Available

Things to consider for this product: