Choosing the right air miles credit card can help you earn frequent flyer miles cheaper and quicker. Here are the best six in Singapore for 2019.
At SingSaver, we are big advocates that you should save and invest your money wisely. That’s also why it’s critical to understand what kind of spender you are and where most of your money goes to each month: food? groceries? shopping? travel? Only then can you identify the right credit card and maximise its benefits.
Air miles credit cards are one of our favourite methods of earning as you spend — earn air miles with every purchase and redeem them for travel flights, seat upgrades and even hotel and car rental discounts. That is the essence of travel hacking — flying further, for cheaper. Here’s an infographic that sums up travel hacking.
So if earning frequent flyer miles is your thing, then here are six of the best air miles credit cards to consider!
Editor’s note: Article last updated Aug 2019. This is an unsponsored and unbiased review. Credit card and miles offers are subject to change at any time.
|TOP 6 AIR MILES CREDIT CARDS IN SINGAPORE 2019|
|American Express Singapore Airlines KrisFlyer Card||Citi PremierMiles Visa Card||DBS Altitude Visa Signature Card||UOB PRVI Miles Visa Card||OCBC Voyage Card||HSBC Visa Infinite Card|
|Annual fee||S$176.55 (first year waived)||S$192.60||S$192.60||S$256.80 (first year waived)||S$488||S$650|
|Miles earned (local)||S$1 = 1.1 miles||S$1 = 1.2 Citi miles||S$1 = 1.2 DBS miles||S$1 = 1.4 miles||S$1 = 1.2 VOYAGE miles
S$1 = 1.6 VOYAGE miles
(1 VOYAGE mile = 1 KrisFlyer mile
|S$1 = 1.25 miles (with min spend)|
|Miles earned (overseas)||S$1 = 2 miles (July, December only)||S$1 = 2 Citi miles||S$1 = 2 DBS miles||S$1 = 2.4 miles||S$1 = 2.3 VOYAGE miles||S$1 = 2.25 miles (with min spend)|
|Bonus miles||12,500 welcome miles (with min. S$3,000 spend in first three months)||30,000 welcome miles (with annual fee payment and min. spend of S$7,500 in first three months) for new customers||10,000 welcome miles (with S$25,000 spend in one year), extra 10,000 miles with annual fee payment||20,000 loyalty miles with min. spend of S$50,000 per year||15,000 miles with annual fee payment||35,000 welcome miles (in 100,000 HSBC rewards points) for new customers|
|Redemption fee||None||S$25 per redemption||S$25 per redemption||S$25 per redemption||Waived||Annual program fee of S$42.80, S$25 per redemption|
1. American Express Singapore Airlines KrisFlyer Card: Lowest annual fee and no redemption fee
Most credit cards make you pay a redemption fee when you convert your miles (such as CITI miles or DBS miles) to Krisflyer miles, but not this one. This Amex card is special.
For starters, you get 5,000 KrisFlyer Miles on your first charge (new cardholders only) and 7,500 KrisFlyer Miles for spending S$3,000 within the first three months.
Furthermore, if you’re a regular Grab user, all the more reason to grab this card because you earn 3.1 KrisFlyer miles for every S$1 spent on Grab. It’ll be a sure way to boost your miles earnings. Sign up now and get your first-year fee waived.
2. Citi PremierMiles Visa Card: Best all-rounded air miles card
The Citi PremierMiles Visa Card is truly your all-in-one go-to-card. Although it doesn’t boast the highest miles rate or welcome offer, it’s a good steady workhorse for accumulating miles slowly but surely. And the miles never expire!
A 30,000 Citi Miles welcome offer awaits you when you spend S$7,500 in the first three months and pay the annual fee. If that’s not enough to entice you, booking your holiday on travel booking site Expedia gets you up to 7 miles per dollar, while on Agoda, it’s 3 miles per dollar.
Lastly, this card gets you covered with travel protection and privileges like two complimentary airport lounge access per year.
3. DBS Altitude Visa Signature Card: Great welcome bonus with annual fee payment
This DBS card is just what you need to put you miles ahead of the rest, as it gives you up to 4 miles per $1 on Singapore Airlines; and up to 3 miles per $1 spend on online flights like Cathay Pacific, Qatar Airways, and accommodation from Airbnb, Agoda, Expedia, and more.
Golfers, you’re going to want to swing for this one to enjoy 30% off on weekdays in 30 golf clubs all around Asia, not to mention two free airport lounge visits per year and travel insurance coverage.
Apply online now and get 10,000 bonus miles when you charge S$25,000 to the card in a year. If you’re in it for the long haul, even better — receive additional 10,000 bonus miles when you pay the annual fee to renew your card.
4. UOB PRVI Miles Visa Card: Best mpd rate and superb merchant perks
This is a perennial favourite because of its generous miles per dollar earn rate (1.4 mpd on local spend, 2.4 mpd on overseas spend). When you sign up, not only will you get a one-year fee waiver, but you’ll be spoilt by a plethora of privileges: complimentary airport transfers, travel insurance of up to S$1,000,000, and upgrades and VIP privileges at over 900 prestigious hotels like Mandarin Oriental and Park Hyatt. There’s also no minimum spend and cap on miles earned at all times.
Earn 6 miles for every S$1 spent on major airlines and hotels booked through Expedia, UOB Travel, and Agoda. In addition, get up to S$150 worth of cash credit when you spend a minimum of S$1,500 within the first 30 days! Terms and conditions apply.
5. OCBC Voyage Card: Luxury side benefits for food
The OCBC Voyage card gives you 1.6 miles per dollar when you dine locally. That’s pretty generous, so if you’re a foodie, this card is seriously a must. If you’re an OCBC Savings Account holder and need a credit card spend to multiply your interest rate, this would be a great choice.
Food perks aside, there are also exclusive golf, travel and shopping deals, as well as complimentary limousine services that’ll add a nice touch to your travel experience.
VOYAGE miles never expire, and cardholders will get to enjoy 24/7 VOYAGE Exchange Personal Concierge services, unlimited free Plaza Premium airport lounge access throughout the year, and free travel insurance of up to S$1.5 million.
6. HSBC Visa Infinite Card: Best bonus welcome miles for new customers
They say time is money. If you want to get ahead of the queue at immigration, the HSBC Visa Infinite card is your ticket. Express immigration clearance is one of the perks of this card. Other equally enticing VIP treatments include airport limousine transfers, travel insurance of up to US$2 million coverage for you and your family, and unlimited access to over 1,000 VIP airport lounges worldwide. Of course, it also goes the distance for you when it comes to miles conversion – 1.25 mpd (local spend) and 2.25 mpd (overseas spend).
What to read next:
Why Citi PremierMiles Visa May Be the Most Useful Miles Card in Singapore
Amex Krisflyer Blue Vs Ascend: Which Is the Right Card for You?
Cashback or Rewards Credit Cards: Which is Better?
6 Credit Cards That Give Free Access To Airport Lounges
Amex, Mastercard or Visa: Which is Better for Travel?
By Alexa Fang
Alexa is a pop-culture vulture. She lives to read, write and travel, and decided long ago that life is stranger than fiction. When she’s having a croissant, she thinks in French. “31 Rue Cambon” is her favourite address, and she believes that money one enjoyed spending is never money wasted.