Which Credit Card is Best to Buy Airline Tickets and Hotels?

Travelling soon? We’ve rounded up the best travel credit cards for travel rewards in Singapore just for you!

• Free lounge access & unlimited expiry-free miles: DBS Altitude Visa Card 
• Premium travel benefits: American Express Platinum Card | UOB PRVI Miles World Mastercard | UOB PRVI Miles American Express Card
• Singapore Airlines perks & fee-free miles transfer to KrisFlyer account: UOB KrisFlyer Card | American Express Singapore Airlines KrisFlyer Ascend Card | American Express Singapore Airlines KrisFlyer Card
• Hotel bookings: UOB Lady’s Card | DBS Woman’s World Card | UOB Visa Signature

Looking for the absolute best Singapore travel credit card for travel in a sea of options? We know it can get confusing. Figuring out which credit card is perfect for buying your flight tickets, hotel stays, travel insurance, or Airbnb accommodations can be tricky.

This is why we have rounded up the top miles credit cards and more to use to book your next flight and hotel. Oh, and we've got some cool travel tips and NATAS fair airline promos for you too – here’s to spending your way to your next getaway!

Table of Contents

• What is an Air Mile Credit Card?
• Best Credit Card for Air Tickets and Collecting Miles
• Best Credit Card to Book Flights due to Free Lounge Access and Unlimited Expiry-free Miles
  • DBS Altitude Visa Card
• Best Credit Card for flight booking due to Premium Travel Benefits
  • American Express Platinum Charge Card
  • UOB PRVI Miles World Mastercard 
  • UOB PRVI Miles American Express Card
• Best Credit Card for Air Tickets due to Singapore Airlines Perks and Free Miles Transfer to KrisFlyer Account
  • KrisFlyer UOB Credit Card
  • American Express Singapore Airlines KrisFlyer Ascend Credit Card
  • American Express Singapore Airlines KrisFlyer Credit Card
• Best Credit Card for Booking Hotels
  • UOB Lady’s Card
  • DBS Woman’s World Card
  • UOB Visa Signature 
• How do Credit Card Miles Work?
• Which Credit Card can Earn KrisFlyer Miles?
• How to Maximise your Travel Credit Cards?
  • #1: Pick a credit card that rewards you quickly
  • #2: Mix it up to earn maximum rewards
  • #3: Get cards with flexible rewards
• How to check KrisFlyer Miles Expiry?
• Travel Insurance on Credit Cards: How does it Work?
• What are the Tips to Use Air Miles Credit Cards Effectively?
• What are the Pros and Cons of an Air Miles Credit Card?
• Is It Worth To Get A Miles Card?

What is an Air Mile Credit Card?

Ever dream of using your everyday purchases to earn free flights? Enter the world of air miles credit cards! These cards reward you with points, called miles, for your spending, allowing you to redeem them for flights, upgrades, and other travel perks. While they often come with annual fees, savvy travellers can leverage the best of these cards to save significantly on their travel expenses. But before you jump in to book your next big holiday, it’s best to consider your travel habits and spending to see which card is the right fit for you.

Best Credit Card for Air Tickets and Collecting Miles

Not all travel is created equal, and neither are credit cards! Finding the best credit card for your air ticket needs depends on your travel frequency, preferred airlines, and spending habits. With a plethora of options offering bonus miles, travel perks, and rewards, navigating the world of air miles credit cards can be overwhelming. But fear not, for with the right considerations, you can unlock significant savings and elevate your travel experience.

Best For	Earn rate	Credit Card
Free lounge access & unlimited expiry-free miles	Earn up to 2.2 miles per S$1 on overseas spend (made in foreign currency) Earn up to 1.3 miles per S$1 on local spend	DBS Altitude Visa Card Apply Now
Premium travel benefits	Earn 5 Membership Rewards points for every full S$1.60 spent with Singapore Airlines and Scoot (equates to 1.9 miles per S$1). Earn 1.4 miles per S$1 local spend (UNI$3.5 per S$5 spend) Earn 2.4 miles per S$1 overseas spend (UNI$6 per S$5 spend) including online shopping on overseas websites Earn 6 miles per S$1 on major airlines and hotels booked on Agoda, Expedia, and UOB Travel (UNI$15 per S$5 spend)	American Express Platinum Card Apply Now UOB PRVI Miles World Mastercard UOB PRVI Miles American Express Card Apply Now
Singapore Airlines perks & fee-free miles transfer to KrisFlyer account	Earn 3 KrisFlyer miles per S$1 spend on Singapore Airlines, Scoot, KrisShop and Kris+ purchases Earn 3 KrisFlyer miles per S$1 spend on dining, food delivery, online shopping, online travel and transport spend with min. S$800 annual spend on Singapore Airlines, Scoot and KrisShop Earn 1.2 KrisFlyer miles per S$1 spend on all other spend Earn 1.1 KrisFlyer miles (AMEX KrisFlyer Card) / 1.2 KrisFlyer miles (AMEX KrisFlyer Ascend Card) per S$1 spend on eligible local transactions, no cap Earn 2 KrisFlyer miles per S$1 spend on eligible foreign transactions in June and December, no cap Earn 2 KrisFlyer miles per S$1 spend on Singapore Airlines-related transactions	UOB KrisFlyer Credit Card Apply Now American Express Singapore Airlines KrisFlyer Ascend Credit Card  Apply Now American Express Singapore Airlines KrisFlyer Credit Card Apply Now

Best Credit Card to Book Flights due to Free Lounge Access and Unlimited Expiry-free Miles

DBS Altitude Visa Card

When it comes to the best credit card for flights and the best credit card for hotels, you can’t look past what DBS Altitude Visa has to offer.

This credit card lets you earn 2.2 mpd on overseas spend and 1.3 mpd on local spend. Plus, it lets you earn 3 mpd on Agoda bookings made on DBS Travel & Leisure Marketplace (TMP).

Do note that the miles will be awarded as DBS Points, for every S$5 spent. 

The best part? Miles earned on the DBS Altitude Visa doesn’t expire! You can transfer your earned miles to frequent flyer programmes like KrisFlyer or Asia Miles to redeem your next flight. 

Exclusive to DBS Altitude Visa Signature Card, cardmembers can enjoy two free Priority Pass lounge visits every 12 months of membership!

Best credit card for flight booking due to premium travel benefits

American Express Platinum Charge Card

Are you a discerning individual who appreciates life’s finer things and loves travelling? Do you also happen to be a high-income earner (or at least, rich in assets)? If you answered “yes” to both questions, then the AMEX Platinum Charge Card is just for you.

Despite the card’s hefty annual fee of S$1,744, card owners will enjoy luxurious perks such as:

• Up to S$1,354 statement credits across lifestyle, entertainment, dining, and travel*
  • S$200 local dining credits
  • S$200 overseas dining credits
  • S$400 lifestyle credits^
  • S$150 fashion credits
  • S$204 entertainment credits
  • S$200 airline credits with Singapore Airlines or Scoot^ 
• S$800 worth of FINE HOTELS AND RESORTS benefits
• Complimentary upgrades for hotel loyalty programmes (Marriott Bonvoy™ Gold Elite Status, Hilton Honors Gold Status, Radisson Rewards Gold Status)
• Free access to the Platinum Concierge Desk and 1,400 airport lounges worldwide (including The Centurion® Lounge) (worth S$1,238)
• Golf privileges
• Complimentary access to the elite, members-only Tower Club Singapore
• Up to 50% savings on your Love Dining food bill
• Global assistance and more

How's that for Platinum-worthy perks? For more exclusive deals and privileges, read our full AMEX Platinum Charge Card review here.

*Enrolment is required to enjoy benefits

^Min. S$600 spend required on eligible transactions. T&Cs apply.

UOB PRVI Miles World Mastercard

The UOB PRVI Miles World Mastercard is a standout choice for those seeking the best credit card for airfare and hotel bookings. With the card’s impressive base and bonus earn rates, accumulating miles for your next trip has never been easier. 

Plus, if you're a KrisFlyer UOB Account holder, you're eligible for up to an additional 6 bonus KrisFlyer miles for every S$1 spent.

Another significant advantage is the lack of a cap on the miles you can earn, making it ideal for both big and small spenders.

Whether you're planning a local staycation or an international adventure, the UOB PRVI Miles World Mastercard ensures that every dollar spent moves you closer to your next dream destination.

UOB PRVI Miles American Express

The UOB PRVI Miles American Express Card stands out as a premier choice for avid travellers seeking to maximise their air miles accumulation effortlessly – and live the good life while doing so!

On top of its generous base and bonus earn rates, cardholders enjoy up to 8% cashback on dining and other categories, as well as complimentary airport transfers to Singapore Changi Airport to make those late-night red-eye flights a breeze. 

You can also choose to redeem your rewards for miles, cashback, or vouchers, giving you greater flexibility in optimising your points to the max.

Plus, if you hit the minimum spend of S$50,000 in a year, you’ll enjoy 20,000 loyalty miles! Exclusively for UOB PRVI Miles AMEX cardholders only.

Read more:
6 Credit Cards Which Give Free Access to Airport Lounges
Best Air Miles Credit Cards In Singapore
Miles Credit Card Comparison: What’s Good For First-Time Miles Chasers?

Best for Singapore Airlines perks & fee-free miles transfer to KrisFlyer account 

KrisFlyer UOB Credit Card

The KrisFlyer UOB Card is an easy-to-use KrisFlyer miles credit card for those who enjoy flying with Singapore Airlines and Scoot (or travelling in general). This miles credit card lets you earn 3 mpd on SIA-related flights and purchases, dining, online food delivery, online shopping, online travel (including Airbnb) and transport, and 1.2 mpd on all other spend.

There’s no limit to how many miles you can earn, and there’s no miles conversion fee that you need to deal with — your miles will be automatically credited to your KrisFlyer account. 

A travel-oriented credit card through and through, you’ll be pleased to know that the KrisFlyer UOB Credit Card offers a host of tangible travel benefits anyone would appreciate: 

• Fast track to KrisFlyer Elite Silver status (with min. S$5,000 SIA-related spend)
• S$20 KrisShop rebate (with min. S$120 spend on a single KrisShop transaction using promo code KFUOBKS2024)
• S$15 off Grab rides
• S$15 off ChangiWiFi
• Additional baggage allowance on Scoot
• One-time booking flexibility waiver on Scoot
• Standard seat selection on Scoot, and more

The only bugbear associated with KrisFlyer UOB Credit Card is the fact that bonus miles earned on dining, online food delivery, online shopping, online travel, and transport transactions will only be awarded within two months after the card membership year. 

Read our full KrisFlyer UOB Card review here for a more in-depth breakdown including information on exclusive SingSaver promos.

American Express Singapore Airlines KrisFlyer Ascend Credit Card

Local spend	Unlimited 1.2 miles per S$1 spend
Foreign spend	Unlimited 2 miles per S$1 spend during June and December
Bonus miles rates	Unlimited 2 miles per S$1 spend on Singapore Airlines and KrisShop
	3.2 miles per S$1 spend on Grab Singapore transactions (up to S$200 spend per month)
Airport lounge access	4 visits per year
Travel insurance	Up to S$1 million travel inconvenience & travel accident coverage
Annual fee	S$343.35

The American Express Singapore Airlines KrisFlyer Ascend Credit Card is the premium sister of the American Express Singapore Airlines KrisFlyer Credit Card. 

While its miles earning rates are quite standard — unlimited 1.2 mpd on local spend, unlimited 2 mpd on Singapore Airlines and KrisShop spend, unlimited 2 mpd on overseas spend in June and December, and 3.2 mpd on Grab, capped at S$200 each month. Evidently, its highlights lie in the travel and lifestyle privileges it has to offer. 

For starters, card members can enjoy:

• Free one-night stay at participating Hilton Properties in the Asia Pacific
• Complimentary upgrade to the Hilton Honors Silver membership tier
• Four free airport lounge passes each year to participating SATS Premier Lounge in Singapore and Plaza Premium Lounge worldwide
• Accelerated upgrade to KrisFlyer Elite Gold status*
• 2X KrisFlyer Miles Accrual Voucher^

KrisFlyer Elite Gold status cardmembers will enjoy an extra 20kg check-in allowance, priority airport check-in, priority baggage handling, priority boarding, and KrisFlyer Gold Lounge access at Changi Airport and access to over 900 Star Alliance Gold Lounges globally.

Needless to say, this credit card offers exclusive Hertz privileges worldwide, up to S$1 million coverage for travel inconvenience and travel accident insurance as well as preferential rental rates of portable Wi-Fi routers — perks perfect for globetrotters.

*Min. S$15,000 spend on singaporeair.com within first 12 months of card approval
^Min. S$15,000 spend on singaporeair.com to earn voucher, capped at 5,000 bonus miles. Promo valid till 30 Jun 2024.

Read more:
Money Confessions: I Have 16 Credit Cards But I’m Not In Debt
Premium Credit Cards: Which Gives High-Income Earners The Best Value?
Metal Credit Cards With The Best Perks

American Express Singapore Airlines KrisFlyer Credit Card

If you frequently travel with Grab and fly with Singapore Airlines, the American Express Singapore Airlines KrisFlyer card will get you there faster. 

Earn 3.1 KrisFlyer Miles for every S$1 spent on Grab locally (excluding top-up charges for GrabPay) and 2 KrisFlyer Miles for every S$1 spent on Singaporeair.com, SingaporeAir mobile app and KrisShop (in-flight and online), with no cap.

Additionally, stand to gain S$150 cashback on your next purchase when you spend S$12,000 with the card. Moreover, the first-year annual fee is waived for both the primary and supplementary card members. 

However, it's important to note that Grab rides are capped at S$200 each calendar month. Despite this limit, if you consistently clock S$200 in Grab rides monthly, the points earned in a year (7,440 miles) are almost worth a one-way ticket to Bali.

Read our full AMEX Singapore Airlines KrisFlyer Credit Card review here.

 

Amex Singapore Airlines KrisFlyer Credit Card Welcome Gift: Receive up to 17,000 KrisFlyer Miles when you make a min. spend of S$500 within the first month of card approval. For new-to-American-Express Card Members only. Valid till 30 April 2024. T&Cs apply.

Best credit card for booking hotels

UOB Lady’s Card

For those seeking a card that offers flexibility along with generous rewards, the UOB Lady's Card stands out as an exceptional choice. 

Tailored specifically for the discerning spender, this card offers up to 6 miles per dollar on one of seven categories that you can select based on your lifestyle preferences - Fashion, Dining, Travel, Beauty and Wellness, Family, Transport, or Entertainment. This makes it one of the most versatile and best rewards credit cards for quickly accumulating miles towards your next holiday.

Another benefit that sets the UOB Lady's Card apart is its LuxePay feature, allowing cardholders to indulge in their favourite luxury brands with a 0% interest 6 or 12-month instalment plan. 

Additionally, enjoy peace of mind with complimentary e-commerce protection for all your online purchases, ensuring both your transactions and goods are safeguarded.

Cardholders also benefit from UOB$ rebates on daily essentials, entertainment, and shopping, enhancing the value of every dollar spent. Furthermore, the promise of same-day delivery upon card approval ensures you can start enjoying the benefits of your card without delay.

However, remember that the 10X UNI$ (or 4 miles) earn rate applies to expenditures within your chosen category, offering unparalleled rewards flexibility. And you only select one rewards category each quarter, so choose wisely to maximise your benefits.

DBS Woman’s World Card

Unlock a world of rewards and privileges with the DBS Woman's World Card. 

Perfect for the avid online shopper, this card offers a high reward rate of 4 miles per dollar on online purchases, allowing you to maximise your rewards (including travel spend!) with every transaction.

The card works by awarding you DBS points for every S$5 spent, locally or overseas. However, do note that the 10X DBS points earn rate only applies to the first S$2,000 of online spend per calendar month.

Find out more in our DBS Woman’s and Women’s World Card review and see whether it’s the right card for you. (Psst, even though there’s ‘Woman’s’ in the name, cardholders of all genders are welcome to apply for the card!)

UOB Visa Signature Card

The UOB Visa Signature Card is a versatile choice for those who value both miles and cashback. It excels in rewarding users for overseas, petrol, and contactless transactions, offering a compelling 4 miles per dollar, subject to a minimum spend of S$1,000 on overseas and local spend respectively per statement month, capped at UNI$4,000.

With the UOB Visa Signature, every S$5 spent in these categories earns you UNI$10, which can be converted to miles, further amplifying your travel rewards. The card’s travel insurance coverage of up to S$500,000 coverage adds an extra layer of protection for your trips, ensuring peace of mind wherever your adventures take you.

While the card does not offer direct airport lounge access, the substantial travel insurance coverage and flexible rewards system—allowing for both cashback and miles—make it a standout choice for frequent travellers and those looking to maximise rewards on their everyday spend.

How do Credit Card Miles Work?

Credit card miles are great because they can be exchanged for things like free flights, flight upgrades, gifts or even cash rebates that you can use to offset purchases. 

Some frequent flyer programmes even let you redeem your miles for hotel loyalty programme points — this can translate into free hotel nights! 

In short, miles can be put towards your next holiday or vacation. However, you’ll have to be strategic with the cards you use to get the best rewards and added benefits possible. 

As a matter of fact, some air miles credit cards offer miles while others offer rewards points that you can later redeem for miles. Depending on your preference, the right miles credit card for you may or may not be the same as the most ideal one for your friend or family member. 

Which Credit Card can Earn KrisFlyer Miles?

KrisFlyer miles credit cards like American Express Singapore Airlines KrisFlyer Credit Card, American Express Singapore Airlines KrisFlyer Ascend Credit Card, and KrisFlyer UOB Credit Card let you directly earn KrisFlyer miles when you fly on SIA. 

That being said, you don’t necessarily need to use these co-branded KrisFlyer credit cards to earn KrisFlyer miles — other miles and reward credit cards let you redeem your miles and rewards points for KrisFlyer miles, or offer limited-time promos too!

Some examples include DBS Altitude, HSBC Revolution, OCBC VOYAGE, OCBC 90°N, UOB PRVI Miles, Standard Chartered Visa Infinite Credit Card and more. 

How to Maximise your Travel Credit Cards?

#1: Pick a credit card that rewards you quickly

As you know, the easiest way to earn miles is through cards that offer sign-up bonuses. The next best would be to pick a credit card that gives you the highest miles per dollar earn rate so you can earn while booking hotel stays, flight tickets, and more. Whether you opt for one that earns you miles directly or one that earns you rewards points, picking a credit card with a high earning rate will see you earn your way to your next getaway faster!

However, it is important to note the minimum spend required to earn the relevant earn rates. 

#2: Mix it up to earn maximum rewards

Not all cards are created equal. Make use of different travel credit cards based on your spending so that you can maximise the benefits earned. 

#3: Get cards with flexible rewards

Depending on the benefits that you would like to receive, picking a card that allows you to pick different rewards could be more beneficial. For example, Citibank ThankYou Points can be redeemed for electronics, gift cards as well as travel rewards. 

How to check KrisFlyer Miles Expiry?

To check your KrisFlyer miles expiry, follow these simple steps:

• Step 1: Log in to your KrisFlyer account on singaporeair.com or the SingaporeAir mobile app
• Step 2: Navigate to ‘Miles’, then ‘Miles Validity’

The page will show you the number of miles expiring in the next six months, if any.

In case you didn’t already know, KrisFlyer miles expire in three years at the end of the equivalent month in which they were earned.

Travel Insurance on Credit Cards: How does it Work?

Some credit cards offer complimentary travel insurance coverage when you charge your full travel tickets or travel fares to the cards. 

For example, Maybank Horizon Visa Signature offers up to S$1 million in coverage, while UOB PRVI Miles and CIMB Visa Signature offer up to S$500,000 in coverage. 

Be sure to read the terms and conditions to find out what’s covered exactly and whether or not you have to ‘activate’ the coverage before travelling! 

As it stands, some complimentary travel insurance on credit cards is more holistic than others as they even cover things like luggage delay, missed flight connections, loss of luggage etc. This offers you the best coverage possible, especially when paired with regular travel insurance, taking one worry off your mind so you can fully immerse yourself in your trip.

SingSaver's Most Recommended Travel Insurance Products: Apply today to enjoy comprehensive coverages at affordable premiums, irresistible sign-up offers, and the ultimate peace of mind during your travels.

Product	Best for	Key coverages	Promotion
Allianz Travel Hero [Lowest price in Singapore guaranteed] Apply Now	High coverage per dollar	- Up to S$500,000 for overseas medical expenses - Up to S$150,000 accidental death and total and permanent disability - Up to S$15,000 travel cancellation - Up to S$3,000 flight delay (S$400 for daily receipts limit, min 6h) - Up to S$3,000 loss of baggage	Buy now to receive: 4 miles per S$1 spend on your premium. Valid till 7 May 2024 8:59 am. Tavel Miles Campaign and Additional 2 Miles Travel Giveaway T&Cs apply. Complimentary lounge access during flight delays. Valid till 1 July 2024 8:59 am.  T&Cs apply. Exclusive on SingSaver only.
FWD Travel Insurance [Best deal guaranteed]  Apply Now	Affordability	- Up to S$1,000,000 for overseas medical expenses - Up to S$400,000 accidental death and total and permanent disability - Up to S$15,000 travel cancellation - Up to S$1,000 flight delay (S$100/6h) - Up to S$7,500 loss of baggage	Use the promo code FWDTRAVEL to get a 35% discount on Single Trip and 30% discount on Annual Trip plans! Valid till 23 April 2024. T&Cs apply. Buy now to receive: 4 miles per S$1 spend on your premium. Valid till 7 May 2024 8:59 am. Tavel Miles Campaign and Additional 2 Miles Travel Giveaway T&Cs apply. Complimentary lounge access during flight delays. Valid till 1 July 2024 8:59 am.  T&Cs apply.
MSIG TravelEasy [Best deal guaranteed]  Apply Now	Comprehensive medical coverage	- Up to S$1,000,000 for overseas medical expenses - Up to S$500,000 accidental death and total and permanent disability - Up to S$15,000 travel cancellation - Up to S$1,500 flight delay (S$100/6h) - Up to S$7,500 loss of baggage	Single Trip:Get up to 55% off when you use promo code TRAVEL55 for Single Trip plans! Valid till 28 April 2024. T&Cs apply. Annual Trip: Get up to 40% off when you buy NOW! Valid till 30 April 2024. T&Cs apply.  Also receive: 4 miles per S$1 spend on your premium. Valid till 7 May 2024 8:59 am. Tavel Miles Campaign and Additional 2 Miles Travel Giveaway T&Cs apply. Complimentary lounge access during flight delays. Valid till 1 July 2024 8:59 am.  T&Cs apply.

Compare Best Travel Insurance

What are the Tips to Use Air Miles Credit Cards Effectively?

To make the most out of air miles credit cards, it's wise to focus on cards that align with your spending habits and travel goals. 

Regularly review your card benefits, as some offer bonus miles for specific categories like dining, online shopping, or overseas expenditures.

Always keep an eye out for promotions, especially from local airlines like Singapore Airlines or Scoot, or partner platforms like Agoda. This could take the form of limited-time rates for certain cardholders, or special member reward earn rates.

 Consolidating your spending on one or a few cards can also help you accumulate miles faster, especially for big-ticket items like hotel bookings and air tickets.

Be mindful of the expiry dates of your miles to ensure you use them before they vanish. 

Lastly, consider cards with flexible redemption options, allowing you to transfer miles to various frequent flyer programs and maximising your potential for free flights and upgrades.

What are the Pros and Cons of an Air Miles Credit Card?

The allure of air miles credit cards lies in their potential to turn everyday spending into free flights, upgrades, and more. These cards often come packed with the best travel perks, including airport lounge access and complimentary travel insurance. 

However, they're not without drawbacks. 

Some have high annual fees and require significant spending to earn and redeem miles effectively. The earning rates can also vary greatly depending on the purchase, making it essential to choose a card that matches your spending patterns. 

Additionally, miles tend to have expiry dates, and without careful management, you might lose them before getting a chance to use them.

Is It Worth To Get A Miles Card?

Securing a miles card can be a game-changer for frequent travellers, turning mundane purchases into exciting travel opportunities. 

The right credit card not only fast-tracks you to your next vacation but also elevates your travel experience with exclusive perks. However, the value ultimately hinges on your spending habits and travel frequency. 

If you're a strategic spender who enjoys plotting out ways to maximise rewards, a miles card could unlock a world of travel possibilities. 

Just ensure the benefits outweigh any fees and that you're keen on staying active in managing and redeeming your miles to truly make it worthwhile!