BLACKFRIDAYDEALS_RESULTPAGEBANNERS(DESKTOP).png

Best Air Miles (Fee Waiver) Credit Cards 2020

We found 13 Results for

Sort By

Refine

S$

Filter by need

SingSaver's Providers

American Express Singapore Airlines KrisFlyer Credit Card

American Express Singapore Airlines KrisFlyer Credit Card

SingSaver's Exclusive OfferFeatured
American Express Singapore Airlines KrisFlyer Credit Card
No Fee
Air Miles Conversion Fee
2Miles Per Dollar
Overseas Spending
1.1Miles Per Dollar
Local Spending
SingSaver's Exclusive Offer:
Receive a set of Apple AirPods with charging case (worth S$239) + S$120 vouchers of your choice when you make a min. spend of S$500 within the first month of card approval. Valid till 14 Dec 2020. T&Cs apply.

Get 5,000 bonus miles and a 24" Acer Monitor (worth S$349). Valid till 30 Nov 2020. T&Cs apply.
DBS Altitude Visa Signature Card

DBS Altitude Visa Signature Card

Featured
DBS Altitude Visa Signature Card
S$27
Air Miles Conversion Fee
2Miles Per Dollar
Overseas Spending
1.2Miles Per Dollar
Local Spending
KrisFlyer UOB Credit Card

KrisFlyer UOB Credit Card

Welcome GiftFeatured
KrisFlyer UOB Credit Card
No Fee
Air Miles Conversion Fee
3Miles Per Dollar
Overseas Spendingon overseas spending
Welcome Gift:
Get up to 10,000 KrisFlyer Miles when you apply. Valid till 31 Dec 2020. T&Cs apply.
HSBC Revolution Credit Card

HSBC Revolution Credit Card

SingSaver's Exclusive Offer
HSBC Revolution Credit Card
S$40
Air Miles Conversion Fee
SingSaver's Exclusive Offer:
Receive up to S$280 in cash and vouchers for new-to-HSBC cardmembers. Existing HSBC cardmembers can score up to S$90 in cash and vouchers. Valid till 30 Nov 2020. T&Cs apply.
UOB Lady's Card

UOB Lady's Card

Welcome Gift
UOB Lady's Card
S$25
Air Miles Conversion Fee
0.4Miles Per Dollar
Overseas Spendingon overseas spending
Welcome Gift:
Get S$150 cash credit when you apply and make a min. spend of S$1,500. Valid till 31 Dec 2020. T&Cs apply.
Maybank Horizon Visa Signature Card

Maybank Horizon Visa Signature Card

Welcome Gift
Maybank Horizon Visa Signature Card
S$25
Air Miles Conversion Fee
2Miles Per Dollar
Overseas Spendingon overseas spend
Welcome Gift:
Receive S$100 cash credit when you apply and make a min. spend of S$250 for two consecutive months. Valid till 31 December 2020. T&Cs apply.
UOB PRVI Miles American Express Card

UOB PRVI Miles American Express Card

Welcome Gift
UOB PRVI Miles American Express Card
S$25
Air Miles Conversion Fee
2.4Miles Per Dollar
Overseas Spending
1.4Miles Per Dollar
Local Spendingon local spending
Welcome Gift:
Get S$150 cash credit when you apply and make a min. spend of S$1,500. Valid till 31 Dec 2020. T&Cs apply.
UOB PRVI Miles Visa Card

UOB PRVI Miles Visa Card

Welcome Gift
UOB PRVI Miles Visa Card
S$25
Air Miles Conversion Fee
2.4Miles Per Dollar
Overseas Spending
1.4Miles Per Dollar
Local Spending
Welcome Gift:
Get S$150 cash credit when you apply and make a min. spend of S$1,500. Valid till 31 Dec 2020. T&Cs apply.
UOB PRVI Miles World MasterCard

UOB PRVI Miles World MasterCard

Welcome Gift
UOB PRVI Miles World MasterCard
S$25
Air Miles Conversion Fee
2.4Miles Per Dollar
Overseas Spending
1.4Miles Per Dollar
Local Spendingon local spending
Welcome Gift:
Get S$150 cash credit when you apply and make a min. spend of S$1,500. Valid till 31 Dec 2020. T&Cs apply.
OCBC 90°N Card

OCBC 90°N Card

Popular
OCBC 90°N Card
No Fee
Air Miles Conversion Fee
2.1Miles Per Dollar
Overseas Spending
1.2Miles Per Dollar
Local Spending

How much are credit card annual fees?
Credit card annual fees can range from S$160 to S$700, with the standard being S$192.60. Premium credit cards tend to charge higher annual fees, ranging from S$400 to S$700. There are a few exceptions with annual fees in the thousands, such as DBS Insignia Visa Infinite and Citi ULTIMA card.

Which credit cards offer fee waivers?
Most credit cards offer first year fee waivers, with some going further to offer two to three years fee waiver. There are a few select credit cards that waive annual fees for life, such as CIMB Visa Signature and CIMB Platinum Mastercard. However, do note that these are cashback cards.

How do I get fee waivers after the first year?
Besides the default fee waiver offered by the bank, some credit cards require you to spend a minimum amount for the year to earn yourself an annual fee waiver for the following year. This spending amount can range from S$10,000 to S$60,000. Alternatively, you can also call in to the customer service to try and get it waived.

(Tip: Bookmark this page and stay updated on our latest airmiles credit card promotions!)

Need some help?
No worries, we've got you covered!
What are air miles?

Air miles, also known as just miles or frequent flyer miles, serve as a customer loyalty program for passengers of an airline. Airlines reward you with points each time you fly with them; you may eventually build up enough points to redeem for incentives, such as free or discounted tickets or seat upgrades.

Some credit cards also offer miles as a reward for spending on the card, enabling you to get more out of your credit card spend by accumulating miles.

What is an air miles credit card?

A miles credit card converts your credit card spend into miles, or points that can be exchanged for miles. Every dollar you charge to your air miles credit card earns a certain number of miles or points. This works like a rewards points system and in this case, the rewards are air miles. These miles can then be used to redeem a free flight or help you to partially cover the cost of your air ticket.

Should I get an air miles credit card?

You can consider getting a miles card if you travel frequently, whether for business or pleasure, as miles credit cards are specially designed to reward frequent flyers. Miles credit cards make it easy to rack up miles or points with overseas spending and in some cases, spending with travel-related merchants and on specific airlines.

If you love to travel, earning miles on your everyday spend could be a way to earn your next flight ticket, especially if you have enough miles to redeem a luxurious first-class flight.

Who should choose miles over cashback?

The two important questions to consider are these:

a) how often do you travel;

b) can your spend earn enough air miles to redeem free flights?

If you love to travel or travel frequently, especially medium to long-haul flights, a miles credit card is a great idea. Of course, your cumulative spend should allow you to convert your air miles points into flights.

If it doesn’t, you could be better off with a cashback card where the savings can be used to offset the cost of a flight ticket anyway. Do keep in mind that cashback cards often have a minimum monthly spend required to earn higher cashback rates.


Read this article on cashback vs miles vs rewards to find out which type of credit card suits you best.

How to redeem air miles?

If the miles you earn from your credit card are directly credited into a frequent flyer programme, you can directly log into the airlines’ website to view your miles. For example, if you earn KrisFlyer miles, you can log into your KrisFlyer account to view the miles you have accumulated and subsequently redeem the miles when purchasing an air ticket on the site.

In the case of reward points, when you've collected enough reward points on your card, you can exchange these for air miles by making the redemption online, over the phone or via other methods specified by the credit card provider. Credit card providers often allow conversion of points into miles in conversion blocks, such as blocks of 10,000 miles. This would require you to accumulate sufficient points before you can make the conversion.

Once your points have been converted to miles, you can view and redeem your miles on the frequent flyer website.

How should I compare the best miles credit cards?

One way to compare miles credit cards is to compare the miles earn rate (A.K.A. miles per dollar, or mpd). It refers to the number of miles you can earn for each dollar spent. To put things into perspective, you can expect a 1.2 mpd earn rate to be the average for local spends, while a 4 mpd earn rate is considered to be high.

You can also compare based on other factors such as the annual fee, frequent flyer programme partners or whether it can be used for public transport with SimplyGo. 

First-time miles chasers can read this article for a comparison of the popular miles cards on the market.

What features should I look out for when choosing a miles credit card?

When selecting a miles credit card, you should look out for features such as:

  • Categories that earn more miles per dollar
  • Miles per dollar earn rate for overseas spend
  • Bonus welcome miles
  • Type of miles earned
  • Miles conversion fee
  • Annual fee

Confused about credit card terms?

Glossary terms to know for first-time credit card users

SingSaver

© 2015 - 2020 SingSaver PTE LTD. All rights reserved. This online platform is operated by SingSaver Pte. Ltd. and by continuing to use www.singsaver.com.sg (the “SingSaver Website”) or by carrying out a transaction on the SingSaver Website, users are deemed to have agreed with the Terms and Conditions and Privacy Policy of the SingSaver Website. All insurance product-related transactions on the SingSaver Website are arranged and administered by SingSaver Insurance Brokers Pte. Ltd., a wholly owned subsidiary of SingSaver Pte. Ltd. SingSaver Insurance Brokers Pte. Ltd. is a licensed and authorised broker regulated by the Monetary Authority of Singapore (“MAS”). SingSaver Pte. Ltd. (which administers all other financial products on the SingSaver Website) is not regulated by MAS.

1.32.0-2f25ae417