Most Exclusive Credit Cards in Singapore (2025)

In Singapore, credit cards have long been more than just a convenient means of payment. For many, they represent access, prestige, and lifestyle perks that extend far beyond daily transactions. While most consumers are familiar with entry-level cards that cater to young professionals or those just starting their financial journeys, a rarified world of high-tier credit cards exists, opening doors to experiences accessible only to a select few.

Credit cards can be broadly grouped into three income eligibility tiers: the S$30,000 tier, the S$120,000 tier, and the S$500,000 tier. Each represents not just a level of spending power, but also an evolution in lifestyle needs and expectations. At the S$30,000 tier, cards typically focus on essential benefits, such as cashback on groceries, rebates on transportation, or air miles for occasional travel. This level is designed for working professionals who want rewards for their daily spending.

At the S$120,000 tier, the world of premium banking opens up. These cards often come with perks such as unlimited lounge access, higher air miles accrual, complimentary hotel memberships, and fine dining privileges. The emphasis here is on convenience and consistent luxury for individuals with higher disposable incomes who travel frequently and expect more elevated experiences.

Finally, there is the ultra-exclusive S$500,000 tier. These cards are so rarefied that details are not always made public. Often issued by invitation only, they cater to ultra-high-net-worth individuals whose expectations go far beyond conventional perks. Think bespoke concierge services that can secure access to fully booked Michelin-starred restaurants, curated travel itineraries, and private club memberships. 

This segment is so exclusive that many of its offerings are not well-known. However, let us share what is known about these cards, their benefits, and what you need to do to obtain one.

UOB Reserve Card

• Rewards earned: 2.4 mpd on foreign currency spend (1.6 mpd on local spend) 

• Annual fee: S$3,924 (inclusive of GST, non-waivable)

• Min. annual income: S$500,000 (By invitation only)

Product details

• Receive 100,000 air miles upon joining or membership renewal

• Receive a bonus of an additional 100,000 air miles upon membership renewal (plus meeting minimum retail spend requirements)

• Enjoy complimentary golf rounds,  limousine transfers, and second night stays as a Private Bank client

• Unlimited lounge access under Priority Pass

• Meet and Greet services at over 450 international airports

• Up to US$1,000,000 Travel Personal Accident Insurance

• Bespoke meals and exclusive lifestyle treats

SingSaver’s take

The UOB Reserve Card is designed specifically for ultra-high-net-worth individuals who expect concierge-level service, premium travel perks, and lifestyle privileges that extend far beyond what regular credit cards offer. With its invitation-only status, high annual fee, and steep income requirement, it isn’t for everyone.

The card’s focus on luxury dining, seamless travel experiences, generous mile-earning rates, and exclusive event invitations makes it an excellent choice for frequent flyers, big spenders, and those who want to enjoy the finer things in life. That said, whether it offers value depends heavily on how much one will utilise its perks. If you travel frequently and spend generously, it may be worth the expense. If not, many benefits may go under-utilised.

OCBC Premier Visa Infinite Credit Card

• Rewards earned: 28 OCBC$/S$5 spend in FCY (16 OCBC$/S$5 spend local)

• Annual fee: Waived

• Min. average monthly deposit balance: S$200,000

• Min. annual income: S$30,000 for Singaporeans (S$60,000 for non-Singaporean/non-PR applicants)

• Min. fixed deposit: S$10,000 (if applicant does not meet the income threshold)

Product details

• 16 OCBC$ for every S$5 in local retail spend; 28 OCBC$ for every S$5 in foreign currency spend

• OCBC$ can be exchanged for air miles, hotel loyalty points, vouchers, or cash credit via STACK marketplace or OCBC Rewards 

• Access to 1,400+ DragonPass lounges worldwide 

• Luxury airport transfer service available in selected Asian cities, bookable 24/7

• eCommerce purchase protection covers losses on eligible online purchases up to USD1,000/year

• Access to premium concierge service for travel, dining, ticketing, golf, etc.

• Fuel discounts of up to 23% at Sinopec, 19% at Caltex, 14% at Esso

SingSaver’s take

The OCBC Premier Visa Infinite is a solid option for those already in OCBC’s Premier Banking tier who want a versatile card that combines earning rates, travel perks, and flexibility. Because the annual fee is waived for qualifying clients, the card becomes more of a pure benefit tool than a cost burden. Its strength lies in its flexibility in redemption, lounge access, and concierge features. It is ideal for users who make a moderate amount of overseas or foreign-currency spend, want airport comfort, and enjoy optional perks (like transfer service) to enhance travel.

American Express Centurion Card

• Rewards earned: 0.98 mpd base rate (8.0 mpd on EXTRA merchants)

• Annual fee: S$7,490 with a one-time joining fee of S$7,490

• Min. annual income: Estimated S$500,000 (by invitation only)

Product details

• Complimentary elite status with airlines (e.g. Delta Platinum Medallion) and major hotel groups (Hilton, IHG, Shangri-La, etc.)

• Global lounge access at 1,700+ lounges, including Centurion Lounges, Delta Sky Clubs, and Priority Pass

• Complimentary Equinox Destination Access membership 

• Up to USD1,000 annual Saks Fifth Avenue credits (quarterly statement credits) plus private shopping access

• Complimentary CLEAR® Plus membership for cardholder and up to three family members

• 24/7 priority concierge service for travel, dining, events, and lifestyle requests

• International arrival service with airport guides for smoother customs and immigration; Private Suite access at LAX (paid use)

• No preset spending limit, with flexible capacity based on history and usage

• Exclusive lifestyle perks such as wine consultations, Net-a-Porter shopping privileges, and curated events

• Membership Rewards points earned on eligible purchases

SingSaver’s take

Little is known about the American Express Centurion Card, also known as “the Black Card” and frequently appearing in movies, the hands of A-list celebrities and credit card legends. It is less a credit card and more a key to a world of bespoke services and rare experiences. If you qualify, it means you belong to an elite group of ultra-high-net-worth individuals. However, the cost of ownership is staggering, and it is only suited to those who will truly leverage its concierge and lifestyle privileges.

The UOB Reserve remains one of the most exclusive credit cards in Singapore, available strictly by invitation. To qualify, you must be at least 21 years old with a minimum annual income of S$500,000. The annual membership fee is S$3,924 (inclusive of 9% GST) and is non-waivable. The first metal supplementary card is complimentary for life, while additional supplementary cards are priced at S$654 each (inclusive of GST).

In terms of rewards, the card earns approximately 1.6 miles per dollar (mpd) on local spend in Singapore dollars and 2.4 mpd on foreign currency transactions. Paying the annual fee or renewing your membership also unlocks a generous bonus of around 100,000 air miles (credited in the form of UNI$).

Cardholders enjoy unlimited access to over 1,400 Priority Pass lounges worldwide, along with 24-hour concierge support for travel, dining, and lifestyle arrangements. For ultra-high spenders, there is an additional tier: members who spend S$1 million or more within a membership year are upgraded to “UOB Reserve Diamond.” This unlocks enhanced privileges such as complimentary hotel nights, premium travel benefits, and bespoke experiences curated exclusively for Diamond members.

>> MORE: 6 ways to maximise your credit card perks and travel in style

The OCBC Premier Visa Infinite Credit Card is an elite-tier card available exclusively to OCBC Premier Banking clients. To qualify, you need to hold Premier Banking status with OCBC, be at least 21 years old, and meet a base minimum income requirement of S$30,000 (for Singapore citizens/PRs) or equivalent conditions. In practice, this means you must already have a relationship with OCBC that satisfies S$350,000 deposit requirement. Once approved, the card’s annual service fee is effectively waived for as long as you remain a Premier Banking client. 

For rewards and everyday mechanics, the card lets you earn 28 OCBC$ for every S$5 you spend in foreign currencies or overseas purchases, and 16 OCBC$ for every S$5 on local retail transactions. Your collected OCBC$ can then be redeemed flexibly into airline miles, hotel loyalty points, vouchers, or even cash rebates via OCBC’s STACK platform. Purchases made online using the card also enjoy eCommerce purchase protection, with coverage of up to USD 1,000 per year. 

The Premier Visa Infinite also offers a range of premium travel and lifestyle perks. You get complimentary lounge access to over 1,300+ DragonPass lounges globally (2 visits per year), luxury airport transfer service in selected Asian cities, and Visa Concierge services for travel, dining, and event bookings. The card also offers fuel discounts (e.g., up to 23% at Sinopec, 19% at Caltex, and 14% at Esso) and provides access to various Visa Infinite lifestyle benefits.

>> MORE: Which credit cards can give me access to Priority Pass lounges?

The Amex Centurion Card (Black Card) is invitation-only and designed for ultra-high spenders. The bank does not publicly disclose the precise income or spend threshold in Singapore, but it is known to be very high. The annual fee and initiation/joining fee are also very large sums, though exact figures for Singapore are not fully disclosed. 

The rewards structure is focused more on luxury, service and status than on simple earn-rates. While Centurion does offer Membership Rewards points, dining perks and elite status boosts tend to be more important to cardholders than the raw mpd/earn rate. The card tends to reward those who spend heavily in premium categories and who leverage the card’s concierge, upgrade, and exclusive partner benefits. Some benefit bonuses apply for airline upgrades, global lounge access, etc.

Centurion cardholders in Singapore gain access to Amex’s Global Lounge Collection, including Centurion Lounges, Priority Pass partner lounges, etc. They also get very high-end concierge service, access to private club, private airport suites where available, hotel and flight upgrade privileges, elite status match or recognition in partner hotel and airline loyalty programmes, exclusive invites and experiences, and shopping and lifestyle privileges (private events, early access to launches, etc.)

Exclusive credit cards in Singapore offer a blend of prestige, luxury lifestyle and travel privileges that go well beyond basic credit card rewards. 

If you are someone who travels often, spends in premium categories, values concierge and lifestyle privileges, and can extract enough value from lounges, upgrades, etc., then these cards can make sense. Otherwise, the cost may outweigh the benefits.