Top 6 Air Miles Credit Cards In Singapore 2020

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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 2020.

Editor’s note: Article last updated May 2020. Credit card and miles offers are subject to change at any time. 

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.

So if earning frequent flyer miles is your thing, then here are six of the best air miles credit cards to consider!

Top 6 Air Miles Credit Cards In Singapore

Card Type Annual Fee Miles Earned (Local) Miles Earned (Overseas) Bonus Miles Redemption Fees
American Express
Singapore Airlines KrisFlyer
$176.55 (1st year waived) $1 = 1.1 miles $1 = 2 miles Up to 18,500 KrisFlyer miles (min. spend of S$5,000 in first 3 months N.A
PremierMiles Visa
$192.60 $1 = 1.2 Citi miles $1 = 2 Citi miles 10,000 welcome miles (min. spend of $3,000 in first 3 months) for new customers
26,500 bonus miles (min. spend of $9,000 in first three months)
$25 per redemption
Altitude Visa Signature
$192.60 $1 = 1.2 miles ($1 = 3 miles on online flight and hotel transactions) $1 = 2 miles Up to 38,000 welcome miles (with min. $6,000 spend in first 3 months S$26.75 per redemption
PRVI Miles
$256.80 (first year waived) $1 = 1.4 miles $1 = 2.4 miles 20,000 loyalty miles with min. spend of $50,000 per year $25 per redemption
$488 $1 = 1.2 VOYAGE miles
$1 = 1.6 VOYAGE miles (1 VOYAGE mile = 1 KrisFlyer mile)
$1 = 2.3 VOYAGE miles 15,000 miles with annual fee payment N.A
Visa Infinite Card
$650 $1 = 1.25 miles (with min. spend) $1 = 2.25 miles (with min. spend) 35,000 welcome miles (in 87,500 HSBC rewards points) for new customers Annual program fee of $40, $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 8,000 KrisFlyer Miles for spending $5,000 within the first three months. You will also earn 5,500 KrisFlyer miles based on the 1.1 mpd rate for local spend.

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 $1 spent on Grab, up to S$200 spend in each calendar month. It’ll be a sure way to boost your miles earnings. Sign up now and get your first-year fee waived.

The right credit card will give you free access to airport lounges

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. It’s a good steady workhorse for accumulating miles slowly but surely. And the miles never expire!

Citi PremierMiles has an earn rate of 1.2 miles per dollar. There are also two different welcome offers available.

You can earn 37,300 Citi Miles when you apply for a Citi PremierMiles Visa Card and spend S$9,000 within 3 months from date of card approval. Of this 37,300 Citi Miles, 10,800 Citi Miles would have been earned on your $9,000 spend based on 1.2 mpd and 26,500 Citi Miles will be bonus Citi Miles earned upon meeting spend requirement and paying the annual fee.

If spending $9,000 is not possible, a 10,000 Citi Miles welcome offer awaits you when you spend $3,000 in the first three months. 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 Kaligo, it’s 10 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 S$1 on your online spend (up to the first $1,000 online spend each month) from now till 30 June 2020. Additionally, you also earn 3 miles per $1 when you spend on online flights and hotel transactions. All other spend earns 1.2 mpd.

Golfers, you’re going to want to swing for this one to enjoy 30% off on weekdays in participating golf clubs around Asia, not to mention two free airport lounge visits per year and travel insurance coverage.

Apply online now and get 38,000 bonus miles when you charge $6,000 to the card in the first 3 months. If you’re in it for the long haul, even better — receive additional 10,000 bonus miles when you pay the annual fee of $192.60 to renew your card.

DBS Altitude

4. UOB PRVI Miles 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 to Changi Airport and travel insurance of up to $500,000. 

For frequent travellers, you earn 6 miles for every $1 spent on major airlines and hotels booked through Expedia, UOB Travel, and Agoda. There’s also no minimum spend and cap on miles earned at all times.


  • UOB PRVI Miles American Express: Earn up to 3 miles per S$1 spend on selected online transactions and grocery spend. However, this requires S$2,500 spend from 1 Apr – 30 Jun 2020, with a maximum spend limit of S$5,000.
  • UOB PRVI Miles Visa / Mastercard: Those who frequently take public transport will be glad to know that this card earns 4.4 miles per S$1 spend on local bus and train rides from now till 30 June. You will also earn up to 3 miles per S$1 online spend on groceries, shopping, dining, food delivery and more.

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 $1.5 million. However, you will need an annual income of at least S$120,000 to apply for this card.


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 1,100 VIP airport lounges worldwide.

Earn up to 0.63% cashback on all purchases and it also goes the distance for you when it comes to miles conversion – 1.25 mpd (local spend) and 2.25 mpd (overseas spend).

Ready to hop onto the miles-chasing life? Here’s an infographic that sums up travel hacking. 

Top 5 Air Miles Travel Hacking Tips Infographic | SingSaver

Still unsure on which miles card to apply for? Compare the best air miles credit cards in Singapore with our simple comparison tool and get rewarded with exclusive promotions and gifts today!

Read these next:
How Does COVID-19 Change Your Miles Strategy?
Use These 6 Credit Cards To Pay For Your Grab Rides In 2020
How Can I Earn Miles And Points On Insurance Payments?
6 Credit Cards You Should Use as Your EZ-Link Card
What Is YouTrip Card And How Does It Work?

Alexa Fang

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.