Best Air Miles Credit Cards In Singapore (2023)

Find the Best Air Miles Credit Cards on SingSaver

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 the best air miles credit cards to consider! You can also check out some travel hacks here.

The UOB Lady's Cards are some of the best miles cards available in the market. Why? They are the only credit cards that offer 6 miles per dollar across seven preferred reward category(ies) - beauty & wellness, fashion, dining, family, travel, transport, and entertainment.

The best part? You can change your preferred reward category every quarter, allowing you to accumulate miles according to your spending needs quickly. That's not all; there is also no minimum spend.

However, there is a bonus spend cap for both the UOB Lady's Card and the UOB Lady's Solitaire Card. The former is S$1,000 per month, while the latter is capped at S$3,000 per month. Once you've hit the spending cap, you'll only earn 1 mile per dollar on your spending.

Do also note that only women can sign up for these cards, which means guys will need to get their partners to sign up for the cards on their behalf.

To learn more, check out our review of the UOB Lady's Card and the UOB Lady's Solitaire Card.

The Citi Rewards card is another popular credit card to consider if you're planning to up your miles game. Offering 4 miles per dollar on online and shopping purchases, it's clearly targeted at shopaholics. It is also a good option for those who regularly spend on ride-hailing services and online food delivery - you too will earn 4 miles per dollar for these transactions.

But that's not what makes this card special. By simply pairing it with the Instarem amaze card, you will be able pull that sweet 4 miles per dollar on all local and overseas transactions, including offline ones.

There is, however, a S$1,000 monthly cap. Which means, you'll only earn 0.4 miles per dollar for any excess spend. Regardless, the Citi Rewards Card is widely considered a reliable and flexible choice to add to one's credit card arsenal.

Want to learn more? Check out our review here!

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 30,000 Citi Miles when you apply for a Citi PremierMiles Visa Card, spend S$800 within three months from the date of card approval, and pay its annual fee.

If you prefer not to pay its annual fee, an 8,000 Citi Miles welcome offer awaits you when you spend S$800 in the first two months. If that’s not enough to entice you, booking your holiday on travel booking site Agoda gets you up to 7 mpd, while on Kaligo, it’s 10 mpd.

Lastly, this card gets you covered with travel protection and privileges like two complimentary airport lounge access per year.

Keen to learn more? Check out our review here.

The HSBC Revolution Card is another reliable credit card to steadily earn miles on your daily spend, provided you do most of your spending via online or through contactless payment. For every dollar spent, you stand to earn a handsome 4 miles.

Food deliveries, groceries, online shopping and travel count as online purchases, while mobile payment via Visa PayWave, Apple Pay and Google Pay are considered contactless payment. Similar to the Citi Rewards Card, there is a S$1,000 monthly cap. Afterwhich, you'll only earn 1 mile per dollar.

If your monthly expenditure does not usually exceed S$1,000, the HSBC Revolution Card might be a useful card to help you accumulate air miles in the long run. Just remember to redeem your miles when the time comes, as they do expire after 36 months.

Check out our review of the HSBC Revolution Card to learn more.

If you don’t like making your case for annual fee waivers every year, and are keen on a card that earns you miles, the Maybank Horizon Visa Signature credit card makes life easier.

While most credit cards offer annual fee waivers to entice customers to sign up, this card offers a guaranteed annual fee waiver for the first three years. That’s equivalent to S$540 in savings. If you spend regularly on local dining, petrol, taxi fares and ride-sharing services, you will earn a generous 3.2 air miles per local spend. Overseas, cardholders earn a rate of 2 miles per dollar which still aligns with the market average.

If you don’t spend a lot on the above categories, cardholders only earn 0.4 miles per dollar on general spending. You’ll also have to spend a minimum of S$300 per month on the above categories –  local dining, petrol, taxi fares and ride-sharing – to earn the 3.2 miles per dollar earn rate. The total bonus TREATS Points you can chalk up is capped at 30,000 per calendar month. You’ll also have to pay a S$25 points-to-air miles conversion fee for each redemption.

Read our review of the Maybank Horizon Visa Signature Card to learn more.

For frequent flyers on Singapore Airlines and Scoot, or shoppers on KrisShop and Kris+, there's no better card to earn KrisFlyer miles than the KrisFlyer UOB Card. Why? Because you'll earn 3 miles per dollar on Singapore Airlines Group-related purchases.

If you happen to spend a minimum of S$800 annually on Singapore Airlines, Scoot and KrisShop, you'll also unlock 3 miles per dollar on everyday and overseas spend. Lastly, any KrisFlyer miles earned are directly credited to your KrisFlyer Account with zero conversion fee!

If you sign up for the KrisFlyer UOB Card today, you will enjoy a sign-up promotion of 31,000 KrisFlyer miles as long as you spend S$2,000 within the first 60 days of card approval. This promotion is only applicable to new customers.

To learn more, check out our review here!

This is a perennial favourite because of its decent miles per dollar earn rate (1.4 mpd on local spend, 2.4 mpd on overseas spend), as well as the bonus miles you get from transacting on travel booking sites. When you sign up, not only will you get a choice of American Express, Visa and MasterCard, but you’ll be spoilt by a plethora of privileges: up to eight complimentary airport transfers to Changi Airport and travel insurance of up to S$500,000. 

For frequent travellers, you earn 6 miles for every S$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. You can also use this card for your transport spending on bus and train rides with SimplyGo.

For those applying for the Amex version of this card, there’s an exclusive benefit whereby you’ll gain bonus 20,000 miles, provided your annual spending can hit at least S$50,000.

Read our review to learn more about the UOB PRVI Miles Card.

Are you looking for a miles card that also offers you generous lifestyle and travel perks? Well, look no further! The newly launched HSBC TravelOne card allows cardholders to earn 1.2 miles per dollar and 2.4 miles per dollar on local and overseas spending, respectively.

Frequent travellers will also enjoy 4x complimentary airport lounge visits yearly with DragonPass, as well as free travel insurance with Covid-19 coverage (of up to USD100,000), as long as their air tickets are purchased with this card. For those who enjoy dining out, the HSBC TravelOne comes with complimentary access to ENTERTAINER with HSBC. This allows you to stretch your dollar thanks to the many 1-for-1 dining promotions available worldwide.

The HSBC TravelOne also boasts the most number of hotel and airline partners (currently at 12), with more to be added before the end of 2023.

If you sign up for this card today, you'll stand to get 20,000 bonus miles, provided you make the min. spend of S$800 within the first month of card approval and annual fee payment. Oh, and you'll only need to have an annual income of S$30,000 to sign up for this card!

If you enjoy travelling in style, look no further than the American Express Singapore Airlines KrisFlyer Ascend Card.

The "upgraded" version of the American Express Singapore Airlines KrisFlyer Card, the American Express Singapore Airlines KrisFlyer Ascend Card allows cardmembers to enjoy a complimentary night stay at selected Hilton properties and 4 free airport lounge visits yearly.

However, when it comes to miles earn rates, you'll earn 1.2 miles per dollar for local spending and 2 miles per dollar for overseas transactions. You can earn 3.2 miles per dollar for Grab transactions. However, it is capped at S$200 per calendar month.

If you sign up for the American Express Singapore Airlines KrisFlyer Ascend Card today, you stand to earn 28,600 KrisFlyer miles, provided you make a minimum spend of S$2,000 in the first 3 months with annual fee payment. Other benefits include complimentary travel insurance and an accelerated upgrade to KrisFlyer Elite Gold.

For the full details of what this card has to offer, check out our review here.

The OCBC Voyage card has recently gone through a round of revision, and it now gives you 1.3 and 2.2 VOYAGE Miles (1 VOYAGE Mile = 1 KrisFlyer Mile) for local and overseas spends, respectively.

If hotel-hopping is your thing, you’ll be glad to know that the card offers exclusive deals on hotel dining and staycations. When you’re finally ready to travel abroad, take advantage of the complimentary limousine services, lifted blackout dates and KrisFlyer miles conversion fee waiver.

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