Best Miles Credit Cards With Annual Fee Waiver in Singapore 2024
In Singapore, the best miles cards with annual fee waivers offer travellers the advantage of earning miles without the burden of an annual fee. These cards provide travel rewards, insurance coverage, and more, making them ideal for those seeking travel perks while keeping costs low. Whether you travel frequently or occasionally, these cards offer a valuable way to accumulate miles without the financial commitment of an annual fee.
Up to 10 mpd on 1 rewards category out of 7; get 0.4 mpd on all other spend.
Airmiles Overseas
Up to 10 miles per dollar
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Up to 10 mpd on 1 rewards category out of 7; get 0.4 mpd on all other spend.
Min. Annual Income
S$ 30,000
Annual Fee
S$ 196.2
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First Year Waived
Offer Available
Welcome Offer
S$350 cash credit
Valid until
31 July 2024
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Things to consider for this product:
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Local spending rebate
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Installment
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No monthly spend required
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Rebate cap applied
Pick from 7 rewards categories to earn up to 25X UNI$ for every S$5 spend (10 miles per S$1)
Spend on UOB Lady's Credit Card to earn 10X UNI$ (4 miles per S$1) and enjoy additional up to 15X UNI$ (6 miles per S$1) when you pair your UOB Lady's Credit Card with UOB Lady's Savings Account
LuxePay: Enjoy 0% 6 or 12-month instalment plan when you purchase your favorite luxury apparels.
Complimentary e-Commerce protection on your online purchases.
Enjoy UOB$ rebate on your daily essentials, entertainment and shopping.
You can only choose 1 rewards category out of 7 for the 25X UNI$ (10 miles per S$1) earn rate. It can’t be changed until next quarter.
You must apply for and use UOB Lady's Savings Account to unlock additional 15X UNI$ (6 miles per S$1) earn rate on selected rewards category.
Welcome Offer
Gift Options
S$350 cash credit
Promotion is valid only for the first 200 eligible new-to-UOB credit cardmembers per month during the promotional period
Make a min. spend of S$1,000 per month for 2 consecutive months from card approval date to be eligible for rewards
10X DBS Points per S$5 on online transactions; otherwise 1.2 miles per dollar. (or 3X DBS Points).
Minimum Annual Income
S$ 80,000
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Both Singaporean or Foreigner
Annual Fee
S$ 196.2
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First Year Waived
Things to consider for this product:
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Online shopping rebate
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Overseas rebate
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Installment
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Rebate cap applied
10X DBS points (20 miles) for every S$5 spent on online purchases.
3X DBS points (6 miles) for every S$5 spent on overseas purchases.
1X DBS points (2 miles) for every S$5 spent on other purchases.
Complimentary e-commerce protection for online purchases.
Enjoy special promotions and discounts for certain fashion, beauty and wellness stores.
Both women and men can apply.
DBS points are only awarded for every S$5 spent.
10X DBS points are only applicable for the first S$1,500 online spend per calendar month.
Minimum income requirement for Singaporeans/PRs: S$80,000.
Minimum income requirement for foreigners: S$80,000.
Terms and Conditions :
Installment Processing Fee: From 2 %
Eligibility :
Minimum Age: 21 years old
Minimum Annual Income: S$ 80000
HSBC Revolution Credit Card
Airmiles Local
Up to 4 miles per dollar
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On dining, travel, shopping, and ride-hailing transactions. 0.4 mpd on all other transactions.
Airmiles Overseas
Up to 4 miles per dollar
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On dining, travel, shopping, and ride-hailing transactions. 0.4 mpd on all other transactions.
Minimum Annual Income
S$ 30,000
Annual Fee
No Annual Fee
Offer Available
Welcome Offer
Up to S$1,800 cashback
Valid until
31 August 2024
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Things to consider for this product:
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Mobile contactless rebate
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Online shopping rebate
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Travel rebate
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No Annual Fee
Borrow up to 90% of your available credit limit, enjoy interest rates as low as 2.6% p.a., and get flexible payment terms up to 60 months when you apply with promo code CIPSS. T&Cs apply.
10X reward points (equivalent to 4 air miles or 2.5% cashback) on online purchases and contactless payments (subject to underlying whitelist Merchant Category Codes).
1X reward point for all other spending.
No minimum spend required.
No annual fee.
Receive complimentary access to ENTERTAINER with HSBC app, with over 1,000 1-for-1 deals on dining, lifestyle and travel worldwide.
Eligible categories: Online & contactless payment (e.g. Visa PayWave, Google Pay, Apple Pay) for travel; shopping; groceries; dining; food delivery; ride-hailing apps.
Up to 16% and 14% off petrol at Caltex and Shell respectively.
Up to S$300,000 complimentary travel insurance for cardholder and family when travel tickets are charged to card.
Compatible with Apple Pay, Google Pay, and Visa PayWave.
Can convert between cashback, miles, or reward points flexibly.
Great for homemakers, working adults, miles chaser, enjoy flexibility between rebate types (cashback/miles/points), prefer fuss-free spending without min. spend.
Operates on a whitelist basis. Only selected MCCs shown in the T&Cs qualify for bonus points.
Cap of 9,000 bonus reward points per calendar month on eligible purchases.
1X reward point earned on public transport (via SimplyGo) only.
HSBC reward points expire after 37 months (unlike Citi Rewards’ ThankYou Points of 60 months).
Welcome Offer
Gift Options
Up to S$1,800 cashback
Promotion is valid until 31 August 2024.
Promotion is valid for new and existing HSBC credit cardmembers.
Apply for a new Cash Instalment Plan with a min. loan amount of S$10,000 and tenure of 3 years with marketing consent, text CIPSS <space> last 4 digits of your HSBC credit card to 74722 and get approved by 30 September 2024 to be eligible for reward.
Cashback received is based on 1% of the approved loan principal amount, capped at S$1,800.
Everyday spend categories: dining, food delivery, online shopping, travel and transport, with at least S$800 annual spend on Singapore Airlines, Scoot, and/or KrisShop.
Airmiles Overseas
3 miles per dollar
Minimum Annual Income
S$ 30,000
Annual Fee
S$ 196.2
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First Year Waived
Offer Available
Welcome Offer
31,000 miles plus first year annual fee waived (S$194.40 incl. GST)
Valid until
31 July 2024
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Things to consider for this product:
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Bonus air miles
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Unlimited air miles
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Annual Fee waiver
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Monthly spend required
Earn 3 KrisFlyer miles per S$1 on Singapore Airlines, Scoot, KrisShop and Kris+ purchases.
Earn up to 3 KrisFlyer miles per S$1 on dining, food delivery, online shopping, travel and transport spend.
Earn 1.2 KrisFlyer miles per S$1 on all other spend.
No cap on KrisFlyer miles earned.
Enjoy S$20 rebate on your KrisShop purchases with a minimum spend of S$120 nett in a single transaction.
Get rewarded 10,000 KrisFlyer miles when you renew your annual card membership.
Scoot exclusive benefits: Priority check-in and boarding, more baggage allowance, seat selection and booking flexibility waiver.
Complimentary travel insurance of up to S$500,000.
No conversion fees.
More miles with every spend.
Uncapped 3 mpd on SIA and Scoot tickets, Kris+, dining, food delivery, online shopping & travel, and transport.
Periodic discounts on KrisFlyer Experiences
Exclusive privileges on Scoot, KrisShop, Grab and more.
Read our full review of the KrisFlyer UOB Credit Card.
Min. annual spend of S$800 on Singapore Airlines Group to qualify for 3 KrisFlyer miles per S$1 earn rate.
Bonus miles earned from dining, food delivery, online shopping, travel, transport are only awarded within 2 months after the card membership year.
Welcome Offer
Gift Options
31,000 miles plus first year annual fee waived (S$194.40 incl. GST)
Promotion is valid for new-to-UOB credit cardmembers only
Apply for the KrisFlyer UOB Credit Card and make a min. spend of S$2,000 within 60 days from card approval date to be eligible for rewards
S$30,000 and above per annum (Singaporean). S$45,000 and above per annum (Foreigner).
Annual Fee
S$ 163.5
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First Year Waived
Things to consider for this product:
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Online shopping rebate
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Overseas rebate
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Installment
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Rebate cap applied
5X DBS points (10 miles) for every S$5 spent on online purchases.
1X DBS points (2 miles) for every S$5 spent on other purchases.
Complimentary e-commerce protection for online purchases.
Enjoy special promotions and discounts for certain fashion, beauty and wellness stores.
Both women and men can apply.
5X DBS points are only applicable for the first S$1,000 online spend per calendar month.
DBS points are awarded for every S$5 spent.
Terms and Conditions :
Installment Processing Fee: From 2 %
Eligibility :
Minimum Age: 21 years old
Minimum Annual Income: S$ 30000
UOB PRVI Miles American Express Card
Airmiles Local
1.4 miles per dollar
Airmiles Overseas
2.4 miles per dollar
Minimum Annual Income
S$ 30,000
Annual Fee
S$ 261.6
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First Year Waived
Offer Available
Welcome Offer
50,000 miles upon SMS registration and fulfilling spend requirement
Valid until
31 July 2024
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Things to consider for this product:
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Bonus air miles
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Unlimited air miles
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Travel insurance
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No monthly spend required
Earn 8% cashback on dining, etc.
6 miles per S$1 spend (UNI$15 per S$5 spend) on major airlines and hotels through Expedia, agoda and UOB Travel.
1.4 miles per S$1 on local spend (UNI$3.5 per S$5 spend).
2.4 miles per S$1 on overseas spend (UNI$6 per S$5 spend), including online shopping and overseas websites.
Choice to redeem for miles, cashback, or vouchers.
Complimentary personal accident coverage and emergency medical assistance of up to S$500,000.
Get 20,000 loyalty miles with a minimum spend of S$50,000 in a year.
Complimentary airport transfers to Changi Airport.
1.4 mpd on SimplyGo and public transport rides for UOB PRVI Mastercard and Visa only.
No airport lounge access.
2 year points expiry.
Welcome Offer
Gift Options
50,000 miles upon SMS registration and fulfilling spend requirement
Promotion is valid for new-to-UOB credit card members only
To receive 45,200 miles, spend at least S$1,000 per month for 2 consecutive months, pay the 1st year annual fee (S$261.60 incl. GST) and complete SMS registration by 31 July 2024
SMS PMAF <space> last 4 alphanumeric characters of NRIC/passport registered with UOB to 77862
To receive an additional 4,800 miles (for up to 50,000 total miles), make a min. overseas spend of S$1,000 per month for 2 consecutive months from card approval date
50,000 miles upon SMS registration and fulfilling spend requirement
Valid until
31 July 2024
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Things to consider for this product:
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Bonus air miles
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Unlimited air miles
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Travel insurance
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No monthly spend required
Earn 6 miles per S$1 spent on major airlines and hotels booked through Expedia, UOB Travel, and Agoda.
2.4 miles for every S$1 spent overseas, 1.4 miles for every S$1 spent locally.
Earn miles when you pay your monthly bills, rent, taxes and even a one-off large purchase with your UOB PRVI Miles Card via UOB PRVI Miles Payment Facility.
No minimum spend and cap on miles earned at all times.
Complimentary travel insurance of up to S$500,000.
Earn up to 6 bonus KrisFlyer miles for every S$1 spent if you also apply for a new KrisFlyer UOB Account.
20,000 loyalty miles reward for min. annual spend of S$50,000 is only available for the AMEX card.
Annual fee of S$259.20
Welcome Offer
Gift Options
50,000 miles upon SMS registration and fulfilling spend requirement
Promotion is valid for new-to-UOB credit card members only
To receive 45,200 miles, spend at least S$1,000 per month for 2 consecutive months, pay the 1st year annual fee (S$261.60 incl. GST) and complete SMS registration by 31 July 2024
SMS PMAF <space> last 4 alphanumeric characters of NRIC/passport registered with UOB to 77862
To receive an additional 4,800 miles (for up to 50,000 total miles), make a min. overseas spend of S$1,000 per month for 2 consecutive months from card approval date
50,000 miles upon SMS registration and fulfilling spend requirement
Valid until
31 July 2024
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Things to consider for this product:
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Bonus air miles
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Unlimited air miles
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Travel insurance
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No monthly spend required
Earn 6 miles per S$1 spent on major airlines and hotels booked through Expedia, UOB Travel, and Agoda.
2.4 miles for every S$1 spent overseas, 1.4 miles for every S$1 spent locally.
No minimum spend and cap on miles earned at all times.
Complimentary travel insurance of up to S$500,000.
Earn up to 6 bonus KrisFlyer miles for every S$1 spent if you also apply for a new KrisFlyer UOB Account.
Read our full review of the UOB PRVI Miles Credit Card.
20,000 loyalty miles reward for min. annual spend of S$50,000 is only available for the AMEX card.
Annual fee of S$259.20.
Welcome Offer
Gift Options
50,000 miles upon SMS registration and fulfilling spend requirement
Promotion is valid for new-to-UOB credit card members only
To receive 45,200 miles, spend at least S$1,000 per month for 2 consecutive months, pay the 1st year annual fee (S$261.60 incl. GST) and complete SMS registration by 31 July 2024
SMS PMAF <space> last 4 alphanumeric characters of NRIC/passport registered with UOB to 77862
To receive an additional 4,800 miles (for up to 50,000 total miles), make a min. overseas spend of S$1,000 per month for 2 consecutive months from card approval date
1.3 miles per S$1 spent locally, including bus and train rides.
2.2 miles per S$1 spent on overseas purchases in foreign currency.
Earn up to 10 miles per S$1 spent on Expedia, and Kaligo.
Receive 10,000 bonus miles when you pay the annual fee of S$196.20
2 free lounge visits within each 12-month period of your membership to over 1,500 airport lounges worldwide.
Read our full review of the DBS Altitude Card.
Miles are awarded in the form of DBS points which are awarded for every S$5 spent.
Additional DBS points awarded for Expedia and Kaligo transactions are capped at S$5,000 spend per calendar month.
Each conversion of DBS points to miles will be subjected to an administrative fee of S$25 (exclusive of GST).
Welcome Offer
Gift Options
30,000 miles
Promotion is valid until 30 September 2024.
Promotion is valid for new DBS credit cardmembers only.
Apply for the DBS Altitude Visa Signature Card with promo code, make a min. spend of S$800 within 60 days of card approval, and pay the first-year annual fee (S$196.20 incl. GST) to be eligible for reward.
Promotion is valid for new DBS credit cardmembers only.
Apply for the DBS Altitude Visa Signature Card with annual fee waiver, then make a min. spend of S$800 within 60 days of card approval to be eligible for reward.
1.3 miles per S$1 spent locally, including bus and train rides.
2.2 miles per S$1 spent on overseas purchases in foreign currency.
Earn up to 10 miles per S$1 spent on Expedia, and Kaligo.
Receive 10,000 bonus miles when you pay the annual fee of S$196.20
Read our full review of the DBS Altitude Card.
Miles are awarded in the form of DBS points which are awarded for every S$5 spent.
Additional DBS points awarded for Expedia and Kaligo transactions are capped at S$5,000 spend per calendar month.
Each conversion of DBS points to miles will be subjected to an administrative fee of S$25 (exclusive of GST).
Welcome Offer
Gift Options
35,000 miles
Promotion is valid until 30 September 2024.
Promotion is valid for new DBS credit cardmembers only.
Apply for the DBS Altitude American Express Card with promo code, make a min. spend of S$800 within 60 days of card approval, and pay the first-year annual fee (S$196.20 incl. GST) to be eligible for reward.
Promotion is valid for new DBS credit cardmembers only.
Apply for the DBS Altitude American Express Card with annual fee waiver, then make a min. spend of S$800 within 60 days of card approval to be eligible for reward.
Samsonite Volant Spinner 68/25 EXP + 2x Apple AirTag bundle (worth S$570.80); or
Dyson AM07 Tower Fan (worth S$459); or
S$270 eCapitaVoucher; or
S$200 Cash via PayNow + S$50 eCapitaVoucher
Promotion is valid until 14 August 2024.
Valid for new OCBC credit cardmembers only.
Apply for the OCBC 365 Credit Card or the 90°N Visa Card through SingSaver and make a min. spend of S$500 within 30 days of card approval to be eligible for reward.
Samsonite Volant Spinner 68/25 EXP + 1x Apple AirTag bundle (worth S$525.40); or
Apple AirPods 3rd Gen with MagSafe charging case (worth S$274); or
S$220 eCapitaVoucher; or
S$200 Cash via PayNow
Promotion is valid until 14 August 2024.
Valid for new OCBC credit cardmembers only.
Apply for the OCBC 365 Credit Card or the 90°N Visa Card through SingSaver and make a min. spend of S$500 within 30 days of card approval to be eligible for reward.
Save S$565.25 on an Apple iPhone 15 Pro 128GB (worth S$1,664.25) by upgrading your reward with a top up
+ 3 other gift options
Valid until
31 July 2024
Richest Offer in the Market
Dyson Supersonic™ hair dryer (worth S$699)
Valid until
31 July 2024
Richest Offer in the Market
Apple Watch Series 9 GPS 41mm (Sport Band / Sport Loop) (worth S$604.50)
Valid until
31 July 2024
Richest Offer in the Market
Apple iPad 10th Gen WiFi 64GB (worth S$529)
Valid until
31 July 2024
Richest Offer in the Market
27,000 Max Miles
Valid until
31 July 2024
Richest Offer in the Market
S$400 eCapitaVoucher
Valid until
31 July 2024
Welcome Offer
Up to S$1,800 cashback
Valid until
31 August 2024
Welcome Offer
1x Mercedes-Benz EQB or 90x Round-trip Economy Class Tickets to Paris
Valid until
23 September 2024
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Things to consider for this product:
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Unlimited air miles
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Airport lounge
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Travel insurance
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Bonus air miles
Borrow up to 90% of your available credit limit, enjoy interest rates as low as 2.6% p.a., and get flexible payment terms up to 60 months when you apply with promo code CIPSS. T&Cs apply.
Instant reward redemption with an extensive selection of airline and hotel partners via HSBC Singapore mobile app.
Accelerated earn rate: up to 2.4 miles for your spending.
No conversion fee for air miles or hotel points until 31 May 2024.
Complimentary travel insurance coverage (including COVID-19) and 4x complimentary airport lounge visits for main cardholders only, and more.
Receive complimentary access to ENTERTAINER with HSBC app, with over 1,000 1-for-1 deals on dining, lifestyle and travel worldwide.
Split your purchases across a range of flexible tenures with HSBC Instalment Plans.
Upgrade Your Rewards with a Simple Top-Up
Gift Options
Save S$565.25 on an Apple iPhone 15 Pro 128GB (worth S$1,664.25) by upgrading your reward with a top up; or
Save S$619 on an Apple Macbook Air M3 13" 256GB (worth S$1,599) by upgrading your reward with a top up; or
Save S$621 on a Sony ZV-1M2 Vlog Camera (worth S$1,209) by upgrading your reward with a top up; or
Save S$569 on a Sony HT-AX7 Portable Theatre System (worth S$769) by upgrading your reward with a top up
Promotion is valid until 31 July 2024.
Valid for new HSBC credit cardmembers only.
Apply for the HSBC TravelOne Card, provide your marketing consent to HSBC, pay the annual fee (S$196.20 incl. GST) and make a min. spend of S$1,000 by the end of the following month from card approval date.
The Reward Upgrade will replace SingSaver Exclusive promotional reward.
Apple Watch Series 9 GPS 41mm (Sport Band / Sport Loop) (worth S$604.50); or
Apple iPad 10th Gen WiFi 64GB (worth S$529); or
27,000 Max Miles; or
S$400 eCapitaVoucher
Promotion is valid for new HSBC TravelOne credit cardmembers (existing holders of other HSBC credit cards are still eligible)
Apply for the HSBC TravelOne Credit Card, provide your marketing consent to HSBC, pay the annual fee (S$196.20 incl. GST) and make a min. spend of S$1,000 by the end of the following month from card approval date to be eligible for reward
Promotion is valid for new and existing HSBC credit cardmembers.
Apply for a new Cash Instalment Plan with a min. loan amount of S$10,000 and tenure of 3 years with marketing consent, text CIPSS <space> last 4 digits of your HSBC credit card to 74722 and get approved by 30 September 2024 to be eligible for reward.
Cashback received is based on 1% of the approved loan principal amount, capped at S$1,800.
Get a chance to win an iPhone 15 128GB (worth S$1,311)
Valid until
31 July 2024
Upgrade Your Rewards with a Simple Top-Up
Save S$689 on a Flujo Ayla Ergonomic Office Chair (worth S$1,139) by upgrading your reward with a top up
+ 2 other gift options
Valid until
31 July 2024
Richest Offer in the Market
Up to 60,000 Miles
Valid until
31 July 2024
Richest Offer in the Market
Apple AirPods Pro 2nd Gen (worth S$365.70) + 45,000 miles
Valid until
31 July 2024
Richest Offer in the Market
S$280 eCapitaVoucher + 45,000 miles
Valid until
31 July 2024
Richest Offer in the Market
S$250 Cash via PayNow + 45,000 miles
Valid until
31 July 2024
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Things to consider for this product:
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Bonus air miles
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No expiry air miles
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Airport lounge
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Travel insurance
Earn 3 miles for every S$1 spent on online transactions from transportation, grocery +and food delivery merchants.
Earn 2 miles for every S$1 on foreign currency transactions.
Earn 1.2 miles for every S$1 spent locally.
S$0 foreign transaction fee for overseas spend made and posted in June-July, November-December 2023.
S$10 off Grab rides to or from Changi Airport.
2 complimentary visits to Priority Pass lounges around the world each year.
Get peace of mind when you travel with complimentary travel insurance coverage of up +to S$500,000.
Rewards points do not expire.
Flexible redemption – enjoy your choice of air miles, cash rewards or travel vouchers on the SCB Rewards 360 platform.
Enjoy exciting card offers and privileges on Standard Chartered The Good Life programme.
Transportation, food delivery and online grocery rewards capped at 3,000 miles in a statement cycle.
SingSaver Flash Deal
Gift Options
Get a chance to win an iPhone 15 128GB (worth S$1,311)
Promotion is valid until 31 July 2024.
Promotion is valid for new Standard Chartered credit cardmembers only.
Apply and get approved for participating Standard Chartered credit cards and fulfill the minimum spend criteria to get a chance to win an Apple iPhone 15 128GB (worth S$1,311).
Flash Deal reward will be received on top of existing SingSaver Exclusive reward.
Promotion is valid for new Standard Chartered credit cardmembers only.
Apply for the Standard Chartered Journey Card and make a min. spend of S$500 within 30 days of card approval to receive 15,000 Max Miles.
Promotion is stackable with welcome offer from Standard Chartered (T&Cs apply): Receive up to 45,000 miles
Receive 25,000 miles when you apply with annual fee waiver and make a min. spend of S$3,000 within 60 days of card approval
Receive 45,000 miles when you apply with annual fee payment (S$196.20 incl. GST) and make a min. spend of S$3,000 within 60 days of card approval. Click here to apply.
Apple AirPods Pro 2nd Gen (worth S$365.70) + 45,000 miles; or
S$280 eCapitaVoucher + 45,000 miles; or
S$250 Cash via PayNow + 45,000 miles
Promotion is valid until 31 July 2024.
Promotion is valid for new Standard Chartered credit cardmembers only.
Apply for the Standard Chartered Journey Card and make a min. spend of S$500 within 30 days of card approval.
Promotion is stackable with welcome offer from Standard Chartered (T&Cs apply): Receive up to 45,000 miles
Receive 25,000 miles when you apply with annual fee waiver and make a min. spend of S$3,000 within 60 days of card approval
Receive 45,000 miles when you apply with annual fee payment (S$196.20 incl. GST) and make a min. spend of S$3,000 within 60 days of card approval. Click here to apply.
On dining, petrol, Grab or taxi rides and Agoda hotel bookings.
Airmiles Overseas
3.2 miles per dollar
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On foreign spend. 8X TREATS Points per S$1 spent, valid until 30 Jun 2024. (Base rate 7X TREATS Points per S$1 spent, equivalent to 2.8 miles per dollar)
Apple AirPods 3rd Gen with MagSafe charging case (worth S$274)
Valid until
16 August 2024
SingSaver Exclusive Offer
Xiaomi Smart Air Purifier 4 (worth S$275)
Valid until
16 August 2024
SingSaver Exclusive Offer
S$180 eCapitaVoucher
Valid until
16 August 2024
For Foreigners
Application for Foreigners
Valid until
16 August 2024
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Things to consider for this product:
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Overseas/Foreign spend
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Air tickets
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Dining
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Rebate cap applied
Earn 2.8 air miles (7X TREATS Points) per S$1 spent on air tickets and in foreign currencies.
Earn 1.2 air miles (3X TREATS Points) per S$1 spent on all local shopping, groceries, dining, hotel bookings and more
Continue to earn TREATS Points (TP) on your insurance, private hospitals, utilities and education spend.
Fuel savings of 20.05% + 3X TREATS Points at Caltex stations with Diamond Sky Fuel card
Travel in comfort with complimentary access to selected VIP lounges
Air miles are only applicable if redemption is made on TREATS SG app
TREATS Points awarded calculated based on blocks of S$5.
TREATS Points expire after one year.
SingSaver Exclusive Offer
Gift Options
Apple AirPods 3rd Gen with MagSafe charging case (worth S$274); or
Xiaomi Smart Air Purifier 4 (worth S$275); or
S$180 eCapitaVoucher
Promotion is valid until 16 August 2024.
Promotion is valid for new Maybank credit cardmembers only.
Apply for participating Maybank credit cards with marketing consent provided and make a min. spend of S$500 within 30 days of card approval to be eligible for reward.
Promotion does not stack with other welcome offers from Maybank.
More rewards when you apply for both products as a bundle
Citi Wealth First Account Benefits:
Enjoy up to 7.51% p.a.* on your savings with your Citi Wealth First Account. Earn higher interest and save more with every action.
Protect and build your wealth with our full suite of investment and insurance products.
Enjoy access to global banking & lifestyle privileges, travel benefits and get invited to exclusive events.
Get 6-month commission-free trades online* for U.S. and H.K. markets and have access to Global Market Insights with 350+ analysts worldwide.
Supporting team of experts and dedicated Relationship Manager to assist you to reach your goals
Citi Premier Miles Card Benefits:
1.2 miles per S$1 spent locally. 2 miles per S$1 spent in foreign currency.
Citi Miles never expire. Can be exchanged for a variety of frequent flyer miles, hotel stays, rewards and cash rebates.
2 free airport lounge visits per year to over 1300 Priority Pass lounges worldwide.
Earn miles on rent, condo management fees, school fees, taxes and bills via Citi PayAll.
Up to S$1 million travel insurance coverage when you charge your travel tickets to this card.
Customer must complete application for both products in the bundle; if customer chooses to apply for Citi PremierMiles Card only, they must re-apply through the PremierMiles Card listing on SingSaver.
Admin fee of S$25 (excluding GST) for each conversion of Citi Miles to frequent flyer miles.
Service fee applies to Citi PayAll facility.
Upgrade Your Rewards with a Simple Top-Up
Gift Options
Save S$464.25 on an Apple iPhone 15 Pro 128GB (worth S$1,664.25) by upgrading your reward with a top up; or
Save S$342 on a Samsung Galaxy S24 Ultra Titanium Gray 12+512GB (worth S$2,128) by upgrading your reward with a top up; or
Save S$619 on an Apple Macbook Air M3 13" 256GB (worth S$1,599) by upgrading your reward with a top up; or
Save S$410.10 on an Apple Watch Ultra 2 GPS + Cellular 49mm (worth S$1,210.10) by upgrading your reward with a top up; or
Save S$404.50 on an Apple Watch Series 9 GPS 41mm (worth S$604.50) by upgrading your reward with a top up
Promotion is valid until 31 July 2024.
Valid for new Citi credit cardmembers only
Activate select Citi credit cards and make a min. spend of S$500 within 30 days of card approval.
The Reward Upgrade will replace SingSaver Exclusive promotional reward.
Promotion is valid for new Citi credit cardmembers only.
Apply for the Citi PremierMiles Card x Citigold One-Sell Bundle and make a min. spend of S$500 within 30 days of card approval to be eligible for reward.
Customers who apply for Citigold through the one-sell bundle will not be eligible for the SingSaver Exclusive offer for Citigold.
Fastest Reward Fulfilment: Receive your reward in as little as 4 weeks!
On dining, petrol, Grab or taxi rides and Agoda hotel bookings.
Airmiles Overseas
3.2 miles per dollar
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On foreign spend. 8X TREATS Points per S$1 spent, valid until 30 Jun 2024. (Base rate 7X TREATS Points per S$1 spent, equivalent to 2.8 miles per dollar)
Apple AirPods 3rd Gen with MagSafe charging case (worth S$274)
Valid until
16 August 2024
SingSaver Exclusive Offer
Xiaomi Smart Air Purifier 4 (worth S$275)
Valid until
16 August 2024
SingSaver Exclusive Offer
S$180 eCapitaVoucher
Valid until
16 August 2024
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Things to consider for this product:
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Overseas/Foreign spend
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Air tickets
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Dining
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Rebate cap applied
Earn 2.8 air miles (7X TREATS Points) per S$1 spent on air tickets and in foreign currencies.
Earn 1.2 air miles (3X TREATS Points) per S$1 spent on all local shopping, groceries, dining, hotel bookings and more
Continue to earn TREATS Points (TP) on your insurance, private hospitals, utilities and education spend.
Fuel savings of 20.05% + 3X TREATS Points at Caltex stations with Diamond Sky Fuel card
Travel in comfort with complimentary access to selected VIP lounges
Air miles are only applicable if redemption is made on TREATS SG app
TREATS Points awarded calculated based on blocks of S$5.
TREATS Points expire after one year.
SingSaver Exclusive Offer
Gift Options
Apple AirPods 3rd Gen with MagSafe charging case (worth S$274); or
Xiaomi Smart Air Purifier 4 (worth S$275); or
S$180 eCapitaVoucher
Promotion is valid until 16 August 2024.
Promotion is valid for new Maybank credit cardmembers only.
Apply for participating Maybank credit cards with marketing consent provided and make a min. spend of S$500 within 30 days of card approval to be eligible for reward.
Promotion does not stack with other welcome offers from Maybank.
American Express Singapore Airlines KrisFlyer Credit Card
Airmiles Local
1.1 miles per dollar
Airmiles Overseas
2 miles per dollar
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In June and December.
Min. Annual Income
Conditional
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Card application is subjected to customers meeting the regulatory minimum income requirement and internal assessment
Annual Fee
S$ 174.4
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First Year Waived
Offer Available
AMEX 30 Million Miles Giveaway
Up to 18,000 KrisFlyer miles
Valid until
30 September 2024
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Things to consider for this product:
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No monthly spend required
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Retail discount
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Annual Fee required
1.1 miles per dollar on local spend.
2 miles per dollar on foreign spend in June and December.
Earn KrisFlyer Miles directly, no conversion fees involved.
Complimentary travel insurance.
AMEX 30 Million Miles Giveaway
Gift Options
Up to 18,000 KrisFlyer miles
Promotion is valid for new American Express credit cardmembers only
Apply for The American Express® Singapore Airlines KrisFlyer Credit Card and make a min. spend of S$1,000 within 30 days of card approval to be eligible for rewards
New to American Express Card Members
Welcome Offer: Receive 10,900 KrisFlyer miles upon fulfillment of reward criteria
Receive 5,000 KrisFlyer miles upon first charge on card (available for first time Singapore Airlines Credit Card applicants only)
Receive 1,100 KrisFlyer miles based on the S$1,000 spent (based on 1.1 KrisFlyer miles per S$1 spent locally)
AMEX 30 Million Miles Giveaway: Grab your additional 1,000 KrisFlyer miles* upon fulfillment of reward criteria
*Should pool of miles run out before 30 September 2024, new and existing American Express Card Members will receive the welcome offer only.
Apple AirPods 3rd Gen with MagSafe charging case (worth S$274)
Valid until
16 August 2024
SingSaver Exclusive Offer
Xiaomi Smart Air Purifier 4 (worth S$275)
Valid until
16 August 2024
SingSaver Exclusive Offer
S$180 eCapitaVoucher
Valid until
16 August 2024
For Foreigners
Application for Foreigners
Valid until
16 August 2024
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Things to consider for this product:
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Dining rebate
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Retail rebate
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Petrol rebate
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Airport lounge
Earn 10X TREATS Points (4 miles) per S$1 spent at specially selected retail stores, restaurants, and all petrol stations islandwide+.
Get up to 20.05% savings on petrol.
Complimentary green fees at world-class golf fairways.
Complimentary enrolment into Rewards Infinite Programme: TREATS Points never expire.
Free air miles conversion
Complimentary Plaza Premium airport lounge access with a minimum charge of S$1,000 in a single retail transaction.
Complimentary travel insurance coverage of up to S$1,000,000 when air tickets/travel packages are charged in full to the card.
TREATS Points awarded calculated based on blocks of S$5.
Annual income requirement: S$80,000.
Annual fee: S$240 (waived for first year only)
SingSaver Exclusive Offer
Gift Options
Apple AirPods 3rd Gen with MagSafe charging case (worth S$274); or
Xiaomi Smart Air Purifier 4 (worth S$275); or
S$180 eCapitaVoucher
Promotion is valid until 16 August 2024.
Promotion is valid for new Maybank credit cardmembers only.
Apply for participating Maybank credit cards with marketing consent provided and make a min. spend of S$500 within 30 days of card approval to be eligible for reward.
Promotion does not stack with other welcome offers from Maybank.
Get a chance to win an iPhone 15 128GB (worth S$1,311)
Valid until
31 July 2024
Upgrade Your Rewards with a Simple Top-Up
Save S$208.30 on an Apple iPad 9th Gen WiFi 64GB (worth S$508.30) by upgrading your reward with a top up
+ 3 other gift options
Valid until
31 July 2024
Richest Offer in the Market
Dyson AM07 Tower Fan (worth S$459)
Valid until
31 July 2024
Richest Offer in the Market
Sony WF-1000XM5 Noise Cancelling Headphones (worth S$429)
Valid until
31 July 2024
Richest Offer in the Market
S$300 eCapitaVoucher
Valid until
31 July 2024
Richest Offer in the Market
S$280 cash via PayNow
Valid until
31 July 2024
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Things to consider for this product:
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Overseas rebate
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No monthly spend required
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Travel insurance
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Rebate cap applied
Up to 10X reward points for every S$1 spent in foreign currency on overseas retail, dining and travel transactions.
Up to 5X reward points for every S$1 spent on dining transactions.
1 reward point for every S$1 spent on all eligible spend.
No min. spend required, 1 year annual fee waiver.
Complimentary travel insurance coverage of up to S$500,000 when you charge your full travel fare to the card.
Read our full review of the Standard Chartered Rewards+ Credit Card.
Additional reward points are capped at 20,000 points per year.
Purchases from local hotel restaurants and supermarkets are not considered as qualifying dining transactions.
SingSaver Flash Deal
Gift Options
Get a chance to win an iPhone 15 128GB (worth S$1,311)
Promotion is valid until 31 July 2024.
Promotion is valid for new Standard Chartered credit cardmembers only.
Apply and get approved for participating Standard Chartered credit cards and fulfill the minimum spend criteria to get a chance to win an Apple iPhone 15 128GB (worth S$1,311).
Flash Deal reward will be received on top of existing SingSaver Exclusive reward.
Sony WF-1000XM5 Noise Cancelling Headphones (worth S$429); or
S$300 eCapitaVoucher; or
S$280 cash via PayNow
Promotion is valid until 31 July 2024.
Promotion is valid for new Standard Chartered credit cardmembers only.
Apply for the Standard Chartered Smart Card or Rewards+ Credit Card and make a min. spend of S$500 within 30 days of card approval to be eligible for reward.
Promotion is not stackable with other welcome offers from Standard Chartered.
How does a Miles Credit Card With Annual Fee Waiver work?
A Miles Credit Card With Annual Fee Waiver lets you earn miles for spending while not charging the annual fee, usually for the first year. You accumulate miles based on your transactions, which you can redeem for travel rewards. To keep the fee waiver in subsequent years, you might need to meet specific criteria set by the issuer.
Consider renewal conditions and benefits, and compare them with your spending habits before deciding. Remember responsible card use is key, and reviewing terms is important.
How to best use a Miles Credit Card With Annual Fee Waiver?
To make the most of a miles credit card with an annual fee waiver, follow these strategies:
Maximise first-year benefits
If you didn’t know, the annual fee is waived for the initial year for most miles credit cards. In light of that, take advantage of this first year to reap sign-up bonuses, accumulate miles, and explore the card's perks.
Pro-tip: For some miles cards, new cardholders also have the option of paying the first year’s annual fee in exchange for welcome bonus miles. On the other hand, there are miles credit cards that reward new cardholders with the welcome bonus miles as long as a minimum spend is met during a certain period from the card approval date (e.g. within 30 days of card approval).
Optimise your spending strategy
Concentrate your spending on categories that offer higher miles rewards rates. This can include travel, dining, retail, transport, entertainment, and other categories – what the eligible categories earning bonus miles depend on the card itself.
For instance, the UOB PRVI Miles Card rewards 1.4 mpd on local spend and 2.4 mpd on overseas spend respectively. However, it rewards a whopping 6 mpd on major airlines and hotels booked via Agoda, Expedia, and UOB Travel. Hence, it’s the optimal miles credit card for securing online travel bookings.
Optimising your spending strategy also involves keeping track of expenses so you are able to be aware of where you are at with regard to hitting the requirements for annual fee waivers. Utilise mobile apps and online account management tools to stay organized.
Pro-tip: Don’t be afraid to call up the issuing bank’s hotline and request an update on your month’s credit card statement. Once the actual statement is formally issued to you for the month, it’ll be hard to increase your spending in time if you’ve failed to hit the spend requirement.
Moreover, not all spend might be eligible if the annual fee waiver is part of the card’s sign-up promotion. For example, paying off a S$200 medical bill might not be deemed as relevant “retail” spend necessary for the card’s minimum spend requirement. That’s why it’s pertinent to check and track your spending with the bank where possible.
Meet renewal criteria
To maintain the annual fee waiver in subsequent years, fulfil any spending or usage criteria set by the issuer. Plan your spending to align with these requirements.
Who should use a Miles Credit Card With Annual Fee Waiver?
A Miles Credit Card With Annual Fee Waiver is particularly suitable for individuals who want to enjoy the benefits of earning miles without the financial commitment of an annual fee. This type of card is well-suited for these types of credit card users:
Avid travellers
If you travel frequently for business or leisure, a miles card with an annual fee waiver can help you earn miles for your trips without incurring extra costs – at least for the first year. If you wish to waive the annual fee for subsequent years, you’ll need to check with the issuing bank. Some miles credit card permit subsequent year waivers when certain criteria are met whereas other cards are strictly mandatory.
Occasional travellers
That said, even if you travel occasionally, an annual fee waiver allows you to earn miles for future travel without paying an annual fee during the waived period. We doubt anyone will complain about a free year of card ownership, regardless of your frequency of holidaying or travels.
Sign-up bonus seekers
Those who want to capitalise on sign-up bonuses and introductory offers can use the fee waiver period to earn bonus miles without the upfront fee.
Miles chasers
Avid miles chasers who own several miles credit cards will definitely benefit from first-year annual fee waivers greatly. The fee waivers allow them to concentrate and maximise their miles strategy in the right categories.
Removing annual fees from the equation makes tracking and pooling miles together from other miles cards more straightforward, allowing for more accurate cost-per-mile (CPM) calculations for the year.
Things to look out for when choosing a Miles Credit Card With Annual Fee Waiver
When selecting a miles credit card with an annual fee waiver, consider these key factors to ensure you're making an informed decision.
Annual fee waiver period
Understand how long the annual fee will be waived – typically, it's for the first year, but some cards may offer extended waivers.
Annual fee waiver eligibility criteria
Check if you meet the card issuer's criteria for the fee waiver such as minimum income requirements within a certain period from card approval date. The common qualifying periods are either 30 or 60 days from the date of card approval.
Introductory offers
Explore sign-up bonuses, welcome miles, or other promotions available during the fee waiver period.
Renewal conditions
Understand what conditions need to be met to continue enjoying the annual fee waiver in subsequent years, such as minimum spending requirements.
Standard annual fee
Be aware of the annual fee that will apply after the waiver period ends, and ensure it aligns with the card's benefits. The industry standard for annual fees is S$194.40 per year. Of course, the annual fee varies for each miles credit card like the OCBC 90°N Card costing S$54 per year to renew. Conversely, premium or metal miles credit cards like the Citi Prestige Card come with a hefty S$540 annual fee.
Additional fees
Be aware of other potential fees, such as late payment fees or cash advance fees if you failed to pay your monthly credit card bill on time. These additional fees might impact the value of having annual fee waivers
Frequently asked questions for Miles Credit Cards With Annual Fee Waiver
Do I need to spend a certain amount to qualify for the annual fee waiver?
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Some miles credit cards might require you to meet a minimum spending requirement within a certain timeframe to qualify for the annual fee waiver. Read the terms and conditions carefully to understand these requirements.
However, it’s more common to see miles credit cards requiring a certain spend amount within a certain timeframe for welcome bonus offers – like spending a minimum of S$500 eligible spend within 30 days of card approval to earn 10,000 welcome bonus miles or something to that effect.
What happens after the complimentary annual fee waiver period ends?
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After the waiver period ends, you will typically be charged the annual fee on your credit card. It's a good idea to evaluate whether the rewards and benefits you receive from the card justify the annual fee.
How to request subsequent credit card annual fee waivers?
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When requesting an annual fee waiver for a miles credit card in Singapore, reach out to the card issuer's customer service. Politely express your interest in the waiver, highlighting your loyalty and providing the necessary account details.
Explain any relevant reasons or situations that warrant the waiver. The issuer might offer options like immediate waiver, partial waiver, or criteria for approval. Follow any instructions given, such as submitting documents or meeting spending requirements. Keep in mind that outcomes vary based on issuer policies, so approach the process professionally and be open to different results.
Although in recent years, it’s become more common practice to request an annual fee waiver via the banks’ apps or 24/7 chat assistance. Refer to your respective issuing bank for more details.
What is the average cost of annual fees for a miles credit card in Singapore?
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The average annual fee for a miles credit card in Singapore starts from S$194.40, depending on the card's features and benefits. Premium or exclusive cards might have higher fees (e.g. S$540 for the Citi Prestige Card) due to enhanced perks. Consider the rewards and benefits against the fee to assess value.
Can I cancel the miles credit card before the annual fee becomes due?
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Yes, you can cancel the miles credit card before the annual fee is charged if you decide that the card's benefits are no longer worth the fee. However, consider the impact on your credit score and whether you might lose any accumulated rewards.
Is it worth getting a miles credit card with annual fee waiver if I don’t travel frequently?
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It depends on the card's benefits beyond travel rewards. Some cards offer cashback, discounts, or other perks that might still be valuable to you, even if you don't travel often. Remember to carefully read the terms and conditions of any credit card you're considering and compare it with other options to ensure it aligns with your financial goals and spending habits. But at the end of the day, a complimentary annual fee waiver is a free year of card membership, so why not give a miles credit card a try?