Which Air Miles Credit Card are You?

Lauren Dado

Lauren Dado

Last updated 05 October, 2016

We take a look at the best air miles credit cards for three types of Singaporeans: credit card newbies, world travelers, and high flyers. Which are you, and what's your air miles credit card?

Credit card terms and conditions are valid as of 14 October 2016.

With all the air miles credit cards in Singapore, you’re basically spoilt for choice. But it's not enough to compare the base miles you can accrue - there are other factors to consider as well.

Each air miles credit card has its own benefits, and one card might be better for you than another. Try finding yours in our best air miles credit cards list below:

Top Air Miles Credit Cards in Singapore

American Express Singapore Airlines KrisFlyer CardANZ Travel Visa Signature Card

Standard Chartered Visa Infinite Card

Best ForCredit Card NewbiesWorld TravelersHigh Flyers
Miles Earned Locally1.1 mile = S$1

2 miles = S$1 spent on singaporeair.com, silkair.com, KrisShop and at SilkAir SkyShop

1.4 mile = S$1

2.8 mile = S$1 on air tickets at Qantas and JetStar

1.4 mile = S$1
Miles Earned Overseas1.1 mile = S$1

2 miles = S$1 in June and December

2.8 mile = S$1 retail spend in Australia and New Zealand

1.4 mile = S$1 in other parts of the world

3 miles = S$1
Welcome OffersUp to 9,500 KrisFlyer miles

5,000 KrisFlyer miles on your first charge + 3,000 KrisFlyer miles when you spend S$700 in the first 6 monthsNew sign-up bonus: 1,500 KrisFlyer miles when you sign up between now till 15 Nov 2016, and spend S$700 in the first 6 months.

Up to 25,000 miles

10,000 Travel$ when you pay the card's annual fee


S$10,800 Travel$ if you spend S$3,000 in the first month OR S$2,000 Travel$ when you spend S$500 on your first month

35,000 miles or 25,000 miles and S$100 Uber credits
Minimum Annual Income RequiredSingaporeans/PRs: S$30,000 annual income


S$60,000 annual income

Singaporeans/PRs: S$60,000 annual income


S$90,000 annual income

For Priority or Private Banking customers:

Singaporeans/PR: S$30,000

Foreigners: S$60,000For Non-Priority or Private Banking customers: S$150,000

credit card newbies

1. Best Air Miles Credit Card for First Time Cardholders

Winner: American Express Singapore Airlines Krisflyer Credit Card


Here’s the scoop on the American Express Singapore Airlines Krisflyer Credit Card: it's the most convenient way to earn KrisFlyer miles. Unlike other air miles cards, which charge a fee to convert miles earned into their partner airlines' miles programmes, any Krisflyer miles earned on this card gets automatically credited to your Krisflyer account.

Earning miles is very easy. To start off, you earn 5,000 bonus KrisFlyer miles on your first charge, and 3,000 (plus additional 1,500 if you sign up before 15 November) KrisFlyer miles if you spend S$700 on your first 6 months.

You also get a cool 1.1 KrisFlyer mile for every dollar spent in Singapore and overseas, and 2 KrisFlyer miles on purchases made on singaporeair.com, silkair.com, and KrisShop. If you spend overseas during June and December, you get 2 KrisFlyer miles for every S$1.

We did some quick calculations of how many KrisFlyer miles you can potentially earn in a year, assuming you spend S$800 on your card each month, and book a weekend holiday in Hong Kong in June:

Amount Charged to Card

KrisFlyer Miles Earned

Bonus miles9,500 KrisFlyer Miles
Local monthly spendS$800 x 12 = S$9,60010,560 KrisFlyer Miles
Round trip ticket to Hong Kong purchased on SingaporeAir.comS$6201,240 KrisFlyer Miles
Overseas spend in JuneS$300600 KrisFlyer Miles
KrisFlyer Miles Earned in 1 Year21,900 KrisFlyer Miles

21,900 KrisFlyer miles is more than enough for a one-way ticket to Bali from Singapore!

With the first year’s annual fees waived, and subsequent ones at S$173.50--one of the lowest in the market--this card is great to start with if you have never owned a credit card. And its S$30,000 minimum income requirement allows the majority of Singaporeans to be eligible for it.

A number of perks also come with the Krisflyer Credit Card, including a S$100 cash rebate at Grab, 500 bonus miles on your first charge at GrabPay, an Expedia credit card discount, and up to 50% off restaurants in Singapore through the American Express Selects dining programme. Not bad for your first air miles card at all.

frequent traveler

2. Best Air Miles Credit Card for World Travelers

Winner: ANZ Travel Visa Signature Card

Frequent fliers shouldn't do without the ANZ Travel Visa Signature Card in their wallets. For one thing, you earn an amazing 1.4 miles for every S$1 you spend in Singapore.

ANZ Visa Travel Cardfind-out-more_button-300x59

Cardmembers also get 2.8 miles for every S$1 spent for flight tickets on Jetstar and Qantas, as well as 2.8 miles for every S$1 spent when you holiday at Australia and New Zealand. These are the highest base miles you can earn on a non-Visa Infinite card!

New cardmembers can earn up to 25,000 bonus miles if they spend wisely in the first month - one of the highest welcome miles being offered in Singapore today.

Here’s how you can earn the full amount. First, opt to pay the first year annual fee to get 10,000 air miles. Then charge at least S$3,000 to your card during the first month to get a bonus 10,800 miles. Then based on the base miles of 1.4 mile per S$1 spent locally, you get 4,2000 more miles, adding up to a total of 25,000 welcome miles.

Don’t want to spend that much in a single month? Charging as little as S$500 in the first month gets you 2,000 bonus miles on top of the 10,000 miles from paying the annual fee. Then you get 700 miles on your S$500 spend (1.4 miles x S$500 = 700 miles). In total, you’ll still be picking up 12,700 miles.

If you charge at least $3,000 the first month

If you charge at least $500 in the first month

Miles earned for paying your 1st year annual fee 10,000 miles10,000 miles
Bonus miles earned in the first month10,800 miles2,000 miles
Miles earned based on spend

(1.4 miles per $1)

4,200 miles700 miles
Total Bonus Miles25,000 miles12,700 miles

So whether you’re wandering through cobblestone streets of European cities or admiring the scenery in Australia and New Zealand, the ANZ Travel Visa Card can get seasoned world travelers there.

high flyer

3. Best Air Miles Credit Card for High Flyers

Winner: Standard Chartered Visa Infinite Card


For high flyers, this card wins all other air miles credit cards in the market hands down. With base miles of 1.4 miles per dollar spent locally and 3 miles per dollar spent overseas, the Standard Chartered Visa Infinite Card accumulates points faster than most.

With a minimum income requirement of S$150,000, for non-priority/private banking customers and S$30,000 for Singaporean priority/private banking customers, this card is mostly applicable for frequent business travellers.

If you’re to use your own credit card to charge company expenses overseas, the Standard Chartered Visa Infinite Card helps you rack up miles. Say you charge S$2,000 per month on flights, accommodations, and dining on business trips abroad - you’ll get 72,000 miles at the end of a calendar year!

You'll also receive 35,000 miles or 25,000 miles and S$100 Uber credits when you apply for the Standard Chartered Visa Infinite Credit Card. Our detailed review has more details about the amazing privileges in store for you.

Read This Next:

Rack Up Air Miles with Credit Cards in 3 Simple Steps

Visa, MasterCard, or Amex: Which is Better for Travel?


Lauren is the Content Manager at SingSaver.com.sg. When she’s not helping people save time and money, she’s doing yoga, hunting for bargains, and scoring travel deals.


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!