Enjoy More Travel Getaways With Free Flights And Affordable Insurance Coverage

SingSaver team

SingSaver team

Last updated 12 February, 2019

We know two's company, so we’ve listed some of the best air miles credit cards that will get you to where you want to go – faster and in style.

Planning to travel more with your partner this year? Or perhaps you already have several bucket list destinations in mind. Here are some of the best air miles credit cards that will help you achieve your #relationshipgoals of more romantic getaways together.




















Credit Card Benefit Travel Privileges Welcome Gift
Standard Chartered Visa Infinite 35,000 welcome miles and 6x complimentary lounge access 1.4 miles per dollar (local)

3 miles per dollar (overseas)

$100 for new customers, $50 for existing
Citi PremierMiles Visa Card 30,000 welcome miles and 2x complimentary lounge pass 10 Citi Miles per $1 on online travel bookings, Citi Miles never expire, 1-year annual fee waiver $200 for new customers, $30 for existing
American Express KrisFlyer Ascend 49,900 welcome miles and 4x complimentary lounge pass Accelerated upgrade to KrisFlyer Elite Gold, up to $1 million in travel insurance coverage Complimentary Hilton hotel night stay + $20 CapitaVouchers with MyInfo application




1. Standard Chartered Visa Infinite Credit Card

With a hefty $588.50 annual fee and 35,000 sign-up bonus miles upon sign-up, this card packs a pretty punch.  

To qualify for the welcome gift of 35,000 miles, you’ll have to pay the annual fee of S$588.50. Instead of dismissing this outright, consider this: paying the annual fee means you’re paying S$0.017 for one mile, lower than the 2 cents per mile that’s the industry average.

With 1.4 miles per local dollar spend and 3 miles per overseas dollar spend, you’ll be accumulating miles at a rate that’s way above the average air miles credit card.

Cardmembers also enjoy six complimentary visits to any Priority Pass airport lounge around the world per year. There is also complimentary travel insurance coverage of up to S$1,000,000 when you charge the whole trip to your card.

In addition to air miles, cardholders also get to enjoy dining privileges such as 1-for-1 offers at selected restaurants with The Good Life.

Get up to 15% cashback on Grab rides in Singapore and overseas. Valid till 31 March 2019.

But do take note that a minimum of S$2,000 charge must be made for higher miles earning, otherwise you will only earn 1 mile per local or overseas dollar spend.

Also, you will be given rewards points instead of outright miles, which you need to redeem for miles at a conversion fee of S$25 per block of 2,500 rewards points.

SingSaver Exclusive: For new customers, get an additional S$100 cash when your card is activated! Existing customers get S$50 cash.

Qualifying Criteria and Card Fees













Minimum Annual Income Miles Per Dollar Annual Fee Additional Perks
Singaporeans/PR: S$150,000

Foreigners: S$150,000

3 miles per S$1 spent overseas and 1.4 miles per S$1 spent locally, conditional on min. spend of S$2,000 per month.

Otherwise, 1 mile per S$1 spend if min. spend is not met.


(receive 35,000 welcome miles with payment of annual fee)

6 complimentary access passes to airport lounges each year


Apply Now

2. Citi PremierMiles Visa Card

The Citi PremierMiles Visa Card is an air miles credit card that’s a steady workhorse when it comes to racking up miles. It’s slow and steady in terms of miles per dollar earn rates (1.2 miles per dollar for local spend, 2.4 mpd for foreign spend). Arguably, the best part of Citi PremierMiles Visa Card is that their Citi Miles never expire.

Apart from the 1.2 mpd local earn rate, the card also comes with a welcome bonus miles offer of 30,000 Citi Miles. But to qualify, you’ll need to spend S$7,500 within the first 3 months AND pay the annual fee of S$192.60. This makes the Citi PremierMiles Card a good card to pick up if your strategy is to quickly chalk up miles for your next holiday.

1 Citi Mile = 1 Mile with KrisFlyer, Asia Miles, Royal Orchid Plus, and many other Frequent Flyer Programs (FFP), but do take note that a S$25 administration fee will be charged for each FFP redemption. This means that the welcome bonus of 30,000 Citi Miles is equivalent to an economy class return ticket to Hong Kong or Taiwan.

Other card benefits:

    • 2 x complimentary access to over 600 airport VIP lounges a year
    • Complimentary travel insurance (up to S$1,000,000) and medical assistance programme (up to S$40,000) by charging tickets to the Citi PremierMiles Card
    • Citi Miles have no expiry date
    • Earn up to 10 mpd when booking hotels through travel site Kaligo



SingSaver Exclusive: For new customers, apply by 28 Feb 2019 and get S$200 in NTUC Fairprice vouchers, Takashimaya vouchers, or Grab promo codes upon approval. Existing customers enjoy S$30 vouchers upon approval.

Qualifying Criteria and Card Fees












Minimum Annual Income Miles Per Dollar Annual Fee Additional Perks
Singaporeans/PR: S$30,000

Foreigners: S$42,000

2 Citi Miles per S$1 overseas spend in foreign currency and 1.2 Citi Miles per S$1 local spend. S$192.60

(10,000 Citi Miles with annual fee payment)

2 complimentary access passes to over 600 VIP airport lounges each year


Citi PremierMiles Visa Card

Apply Now

3. American Express KrisFlyer Ascend Credit Card

This is the card that keeps on giving. The American Express KrisFlyer Ascend Credit Card has an excellent tiered structure that gives you more rewards with every additional spend.

Here’s how you can earn up to 49,400 KrisFlyer miles within your first 6 months of approval (that’s almost 1 round-trip Economy Saver Award Ticket from Singapore to Tokyo):

    1. Receive 5,000 welcome miles upon your first spend
    2. Spend S$6,000 within the 1st to 3rd month and receive 15,000 miles + 7,200 miles at 1.2 earn rate
    3. Spend an additional S$6,000 within the 4th to 6th month and receive another 15,000 miles + 7,200 miles at 1.2 earn rate



If you’re a regular Grab rider, you’ll be happy to know that the American Express KrisFlyer Ascend Credit Card offers an upsized rate of 3.2 KrisFlyer miles for every S$1 spent on Grab rides, up to S$200 per calender month.

Love duty-free shopping? Earn 2 KrisFlyer miles per S$1 spend on purchases made on singaporeair.com, SingaporeAir mobile app, silkair.com and KrisShop (in-flight and online), with no cap.

Cardholders also receive 4 complimentary access passes per year to any SATS Premier Lounge in Singapore, or any Plaza Premium Lounge around the world, and get to enjoy a 1-night complimentary stay at one of 110 Hilton Properties in Asia Pacific.

Appy via MyInfo and receive an additional S$20 CapitaVoucher (T&Cs Apply).

Qualifying Criteria and Card Fees













Minimum Annual Income Miles Per Dollar Annual Fee Additional Perks
Singaporeans/PR: S$50,000

Foreigners: S$60,000

1.2 KrisFlyer miles per S$1 spend.

2 KrisFlyer miles per S$1 spend in foreign currency in June and December.

S$337.05 4 complimentary access passes each year to any participating SATS Premier Lounge in Singapore and Plaza Premium Lounge around the world.

Complimentary 1-night stay each year at a Hilton Property in Asia Pacific and complimentary upgrade to Hilton Honors Silver membership tier.


Apply Now

And don’t forget the travel insurance!

Spend less energy worrying about flight delays and lost luggage, and pay more attention yo simply enjoying precious time spent with your loved ones; it’s simply better to travel with ease of mind when you’ve covered your holiday with travel insurance.

























Provider Best For Highlights
FWD Budget Conscious Couples Low policy prices starting from S$9
HL Assurance Deal-Seeking Couples Up to 65% off with discounts and promo codes
MSIG Adventurous Couples Most comprehensive coverage, including haze and weather-related covers
AXA Couples Protection against travel delays and loss of bags and belongings
Allianz Global Assistance Careful Couples High medical coverage
Amex My VoyageGuard Air Miles Lovers Covers loss of Frequent Flyer points and other benefits


1. FWD: Cheapest Single Trip Travel Insurance Plan

With prices starting as low as $9, FWD’s basic travel insurance plan is perfect for the price-conscious traveller. If you’re in relatively good health (no pre-existing medical condition), travelling light on a short trip, and are looking for the lowest price deals, then FWD is the one to beat.

Here are the highlights of FWD’s cheapest single trip plans. Be sure to use promo code TRAVEL25 to get an even further 25% discount off your travel insurance purchase!


    • Full Terrorism Cover
    • Unlimited emergency medical evacuation cover
    • Cashless Medical Claim




    • No benefit claimable for losses of customer loyalty points used to pay for any part of Your Trip
    • No Pre-existing conditions cover
    • Participation in sports activities as a professional or financial reward



FWD Insurance

Apply Now

2. HL Assurance: Best Discount Deals

In addition to great seasonal promotions, HL Assurance also offers perks such as hotel booking vouchers and car rental discounts when you purchase travel insurance from them. Be sure to check our page for HL Assurance promo codes to enjoy even greater savings when you buy your travel insurance through SingSaver!


    • Unlimited emergency medical evacuation (across all Plans)
    • Unlimited repatriation of mortal remains (across all Plans)
    • Loss of home content due to burglary




    • Exclusions on a variety of adventurous activities
    • No benefit payable for preexisting conditions
    • No coverage for acts of terrorism



HL Assurance

Apply Now

3. MSIG: Most Comprehensive Coverage for Adventurous Couples

If you have exciting travel plans and have painstakingly planned your holiday, you will want to travel with peace of mind. We recommend MSIG Plans for their high baggage delay benefit (S$150-S$250 for every 6 hours of delay, depending on plan type), emergency medical evacuation/repatriation, Terrorism Cover, and high personal accident coverage of up to S$1 million!

MSIG Elite and Premier Plans also offer benefits like Adventurous Activities Cover, Golfer’s Cover, Unused Entertainment Ticket, Domestic Pet Care, Rental Vehicle Excess, Returning a Rental Vehicle, and Home Contents cover to suit all travellers needs.

Buy your travel insurance plans by 15 March 2019 and enjoy 60% off Single Trip plans!


    • Pre-existing Medical Condition Cover available (under TravelEasy Pre-Ex Plans)
    • Public Transport Double Cover, Adventurous Activities Benefit (for Elite and Premier Plans)
    • Wedding Clothing and Accessories, Fraudulent Use of Credit Card, Credit Card Benefit Outstanding Balance (for Elite and Premier Plans)




    • No benefit claimable for losses of customer loyalty points used to pay for any part of Your Trip
    • Standard Plan (TravelEasy) does not cover certain sub-category of benefits; please refer to the policy document
    • Adventurous Activities/Golfer’s Cover is not covered under Standard Plan



MSIG Insurance

Apply Now

4. AXA: Best for Travel Delay and Loss/Delay of Bags and Belongings

You've spent lots of time planning your trip, from your activities and tours, down to the packing of your luggage; sports equipment, your high-end camera to take the best pictures, laptops, gorgeous beachwear and dresses – all checked.

The last thing you would have expected is that your flight gets delayed and you have to miss your pre-booked plans, or your bags and belongings get lost or re-routed to the wrong destination. AXA Smart Traveller stands out for its high coverage of up to $10,000 for Loss of Baggage/Belongings, and up to $2,000 for Baggage Delay.

SingSaver Exclusive Promo code: Use SINGSAV40 for extra 10% off Single Trip Plans and SINGSAV60 for extra 8% off Annual MultiTrip Plans


    • Adventurous activities cover
    • Full terrorism cover
    • Unlimited Emergency Medical Evacuation/ Emergency Repatriation




    • No benefit payable for extreme sports
    • No benefit payable for loss of frequent flyer reward points or holiday points used



AXA Smart Traveller

Apply Now

5. Amex My VoyageGuard: Best for Loss of Frequent Flyer Points and Benefits

Love using your miles and points to pay for travel and/or accommodation? The bad news for air miles redemption fans is that not all travel insurance plans cover the loss of frequent flyer points in case of delayed or cancelled flights. Amex My VoyageGuard travel insurance is one of the few that covers this – benefits range from $5,000 – $20,000 and plans start as low as $15.

What's more, enjoy 35% off Single Trip Plans if you apply from now till 28 February 2019!


    • Benefit payable for loss of frequent flyer points
    • Winter Sports and Golf option
    • Benefit payable for alternative travel due to Infectious Disease




    • No cover for pre-existing medical conditions
    • Ski Equipment must be owned by the Insured Person to qualify for Winter Sports benefit payout
    • All Golf Equipment must belong, on loan, or entrusted to the Insured Person, and not hired or rented for payout under Golf Cover.



Apply Now

6. Allianz Global Assistance: Best for High Medical Coverage

For your upcoming travel plans, is maximum medical coverage benefit your main concern? If you are travelling to a country where falling sick or being hospitalised due to an accident is going to cost you an arm and leg, factor in the importance of medical coverage when purchasing travel insurance. Medical coverage benefits will cover you for medical attention, evacuation and assistance for your trip.

Allianz Global Assistance Gold offers up to $5,000,000 limit for medical coverage. We particularly recommend Allianz Global Assistance plans for their high medical coverage and top-notch internal medical team of doctors and air ambulances.

Promo Code: Use ssholi to get 45% off Single Trip Plans & Annual Plans when you purchase from now till 28 March 2019!


    • Unlimited emergency medical evacuation (Silver/ Gold Plans)
    • Full terrorism cover (except biological/chemical/nuclear agents)
    • Automatic Extension of Cover up to a maximum of 30 days




    • No benefit is payable relating to expenses incurred due to the fraudulent use of credit cards
    • No benefit payable for claims arising from pre-existing conditions



Apply Now

Check our Best Travel Insurance for 2019 page for the most updated promo codes to maximise your discounts!

Alternatively, compare and apply for your travel insurance through our SingSaver comparison tool and find the best plans for your needs, based on destination, coverage, premium, and more!

Travel Insurance Comparison | SingSaver

What to read next:

Best Cashback Credit Cards in Singapore 2019

The Best Shopping Credit Cards in Singapore 2019

Best Honeymoon Destinations To Visit in 2019

9 Romantic Destinations to Propose At That Aren’t Paris

6 Credit Cards Which Give Free Access to Airport Lounges

At SingSaver, we make personal finance accessible with easy to understand personal finance reads, tools and money hacks that simplify all of life’s financial decisions for you.


Use a personal loan to consolidate your outstanding debt at a lower interest rate!

Sign up for our newsletter for financial tips, tricks and exclusive information that can be personalised to your preferences!