Best Air Miles Credit Cards of December 2025
Updated: 23 Dec 2025
Credit Card | Product Name | 🔥 Hot Reward Pick | Card Benefits | Min. Annual Income | Free Lounge Access | |
|---|---|---|---|---|---|---|
 | Citi PremierMiles Card | 1.2 - 10 | S$30,000 | 2 visits per year* | ||
 | HSBC Revolution Credit Card | 0.4 | S$65,000 | - | ||
 | OCBC 90°N Visa Card | 1.3 - 7 | S$30,000 | - | ||
 | Citi Rewards Card | 1 - 10 | S$30,000 | - | ||
 | HSBC TravelOne Credit Card | 1.2 - 2.4 | S$65,000 | 4 visits per year* | ||
 | Maybank XL Rewards Card | - | 0.2 - 5 % | S$30,000 | - | |
 | OCBC Rewards Credit Card | 1 - 15 | S$30,000 | - | ||
 | American Express Platinum Card | - | 2 - 20 | Conditional | Unlimited | |
 | Citi Prestige Card | 3.25 - 5 | S$120,000 | 12 Priority Pass lounge visits / year | ||
 | DBS Altitude Visa Signature Card | 1.3 - 2.2 | S$30,000 | 2 visits per year* | ||
 | American Express Singapore Airlines KrisFlyer Ascend Credit Card | - | 1.2 - 2 | Conditional | - | |
 | UOB PRVI Miles World MasterCard | 1.4 - 8 | S$30,000 | 4 Free visits | ||
 | Standard Chartered Journey Credit Card (Annual Fee Paying) | 1.2 - 3 | S$30,000 | 2 visits per year* | ||
 | UOB Lady's Solitaire Card | - | 0.4 - 4 miles per dollar | S$120,000 | - | |
 | DBS yuu Visa Card | 0.5 - 18 % | S$30,000 | - | ||
 | UOB Visa Signature Card | - | 0.4 - 4 miles per dollar | S$50,000 | - | |
 | DBS Woman's World Card | - | 1 - 10 DBS | S$80,000 | - | |
 | Maybank World Mastercard | - | 0.4 - 4 | S$80,000 | 1 visits per year* | |
 | Maybank Horizon Visa Signature Card | - | 0.4 - 2.8 | S$30,000 | 1 visit per year | |
 | UOB Preferred Platinum Visa Card | - | 0.4 - 4 | S$30,000 | - |
Don’t miss out on these great deals:
📲 Tap into the Revolution
For a limited time, earn 10X reward points (4 mpd) on new categories - online travel and contactless spending - when you apply for the HSBC Revolution Credit Card! Plus, the first 2 eligible applicants at 2pm and 8pm will score a reward upgrade to a Sony PlayStation®5 (worth S$669)!
Apply by Jan 01, 2026 to claim your reward
Participating Products:
HSBC Revolution Credit Card
:
For Online Shoppers
How to Qualify?
- SingSaver Flash Deal promotion runs from 26 December 2025 to 1 January 2026.
- Promotion is valid for new HSBC credit cardmembers only.
- Be one of the first 2 customers at 2pm and 8pm every day during the flash deal period (4 total winners daily) to apply for participating HSBC credit cards with provided marketing consent, then make a min. spend of S$500 within 30 days of card approval to be eligible for Flash Deal reward: Sony PlayStation®5 Digital Slim (worth S$669).
- Flash Deal reward will be received in place of your selected SingSaver Exclusive Offer reward.
- Remaining applicants will receive SingSaver Exclusive Offer reward selected in your Rewards Redemption Form.
- Terms and Conditions apply.
Apply by Jan 01, 2026 to claim your reward
- 1.2 miles per S$1 spent locally.
- 2.2 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.
- Use Citi PayAll to earn Citi Miles, Citi ThankYou PointsSM or Cash Back when you pay your bills with your Citi Credit Card.
- Earn miles on rent, condo management fees, school fees, taxes and bills via Citi PayAll.
- 2 free airport lounge visits per year to participating Priority Pass lounges worldwide.
- Up to S$1 million travel insurance coverage when you charge your travel tickets to this card. There will be a revision made to the Citi Credit Cards complimentary travel insurance. The Travel Insurance coverage in respect of a Trip charged to Citi PremierMiles Card will be updated to end on 31 March 2026. For more information, please click here.
- 11 different airline and hotel transfer partners.
- Generous sign-up bonus with relatively low minimum spend.
- Read our full review of the Citi PremierMiles Card.
- Admin fee of S$25 (excluding GST) for each conversion of Citi Miles to frequent flyer miles.
- Service fee applies to Citi PayAll facility.
HSBC Revolution Credit Card
- 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 Points (equivalent to 4 mpd) on online and contactless spending, capped at 13,500 bonus points per month. Valid till 28 Feb 2026.
- 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 payment; shopping; groceries; dining; food delivery; ride-hailing apps.
- Up to 16% and 14% off petrol at Caltex and Shell respectively.
- Instant reward redemption for airline miles and hotel points, refer to www.hsbc.com.sg/rewards for details.
- 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 individuals who prefer flexibility to redeem Reward points to categories such as miles, cashback & more
- Read our review of the HSBC Revolution Credit Card.
- Operates on a whitelist basis. Only selected MCCs shown in the T&Cs qualify for bonus points.
- Cap of 13,500 bonus reward points per calendar month on eligible purchases (valid till 31 Oct 2025). Original cap at 9,000 reward points.
- 1X reward point earned on public transport (via SimplyGo) only.
- HSBC reward points expire after 37 months.
- High base minimum annual income requirement of S$65,000 (w.e.f. 1 October 2025) Learn more.
- Earn 1.3 and 2.1 miles per S$1 spent locally and overseas respectively.
- Flexibility of converting points to miles: 1 Travel$ = 1 mile.
- No expiry on Travel$ earned, and no conversion fee.
- Travel$ can be converted to 1.2% cashback.
- Mastercard Airport Experiences: Enjoy offers for dining, spas and retail at worldwide lounges before you take off.
- First-year annual fee waived. Receive 10,000 miles when you pay the second year annual fee.
- Read our full review of the OCBC 90°N Credit Card.
- Travel$ awarded in blocks of S$5 charged to the card per transaction.
- 10X rewards points for all online purchases except mobile wallet and travel-related transactions.
- 10X rewards points for in-store shopping purchases at department stores, clothing stores and more.
- 1X rewards points on all other purchases.
- Pair with amaze card to turn offline transactions into online transactions.
- No cap on base rewards points.
- Rewards points conversion rate: 440 Points = S$1
- Rewards points are rounded down to the nearest 10 points on all purchases.
- Use Citi PayAll to earn ThankYou PointSM when you pay your bills with your Citi Rewards Card.
- Up to S$1 million travel insurance coverage when you charge your travel tickets to this card. There will be a revision made to the Citi Credit Cards complimentary travel insurance. The Travel Insurance coverage in respect of a Trip charged to Citi Rewards Card will be updated to end on 31 March 2026. For more information, please click here.
- Read our full review of the Citi Rewards Card
- Bonus rewards points capped at 9,000 points per statement month
- 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 January 2025.
- Complimentary travel insurance coverage (including COVID-19) and 4x complimentary airport lounge visits for primary cardholders and guests of primary cardholders.
- 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.
- High base minimum annual income requirement of S$65,000 (w.e.f. 1 October 2025) Learn more.
- 4 air miles per dollar (10X TREATS Points) whenever you spend in the Dine, Shop, Travel and Play categories, as well as in Foreign currencies.
- Up to 10,000 bonus TREATS Points monthly. (Other transactions will earn 5 TREATS points for every S$5 spent.)
- Credit Cards with one of the widest number of spending categories in the market:
- Dine: Restaurants, fast food, bakeries, food delivery, etc.
- Shop: Apparel, departmental stores, sports apparel, online shopping, etc.
- Travel: Airlines, online travel agencies, hotel booking, etc.
- Play: Bars, KTV, cinemas, online streaming, video game arcade, etc.
- +all foreign currency spend (overseas & online)
- Extremely limited age range (21 to 39 years old only).
- 4 miles per dollar rate requires S$500 min. spend per calendar month.
- Earn 15 OCBC$ (equivalent to 6 miles) per S$1 spent at Watsons and online shopping platforms (Lazada, Shopee, Taobao and TikTok Shop).
- Earn 1X OCBC$ (or 0.4 miles) on all other spends, including public transport rides.
- Enjoy complimentary e-commerce protection on all your online purchases made with this card.
- Get fast approval and use your digital card instantly when you apply via MyInfo.
- Read our full review of the OCBC Rewards Card.
- 15 OCBC$ per S$1 earn rate is capped at 10,000 bonus OCBC$ cap per month.
- OCBC$ awarded in blocks of S$5 charged per transaction.
- Enjoy competitive rates and complimentary benefits that offer an average total value of S$800 at over 1,600 Fine Hotels + Resorts properties worldwide.
- Complimentary access to over 1,550 lounges across 500 airports in 140 countries.
- Gain instant status to higher tiers of leading hotel loyalty programs.
- Complimentary Access into Tower Club.
- Membership Rewards Points never expire.
- Up to 50% savings at premium dining locations with Love Dining.
- Enjoy up to S$400 Global Dining Credit to use at over 2,000 restaurants in 20 countries.
- Annual fee: S$1,744 (inclusive of GST).
- Please refer to the American Express website (go.amex/singsaver) for the most up to date information on card benefits and its terms & conditions.
- 5 ThankYou Points (2 miles) per dollar on overseas spend.
- 3.25 ThankYou Points (1.3 miles) per dollar on local spend.
- Points earned do not expire and have no cap.
- Twelve (12) complimentary lounge visits per calendar year to over 1,700 airport lounges and experiences in cities around the world through Priority Pass membership.
- Complimentary night stays when you book a minimum consecutive four-night stay at any hotel or resort.
- Up to 30% more ThankYou Points for your relationship with Citibank.
- Six complimentary golf games locally and overseas.
- Read our full review of the Citi Prestige Card.
- Minimum annual income requirement of S$120,000.
- Annual Fee of S$651.82 (incl. GST).
- Up to 1.3 miles per S$1 spent locally, including bus and train rides.
- Up to 2.2 miles per S$1 spent on overseas purchases in foreign currency.
- 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.
- Each conversion of DBS points to miles will be subjected to an administrative fee of S$25 (exclusive of GST).
- Spend S$15,000 or more on eligible Singapore Airlines and Scoot flight bookings within the first 12 months upon Card approval to be automatically upgraded to the KrisFlyer Elite Gold membership tier. T&Cs apply.
- Get a complimentary night stay at participating Hilton properties each year.
- Receive a Foreign Spend Miles Redemption Voucher for 18,000 KrisFlyer miles when you spend the equivalent of S$10,000 or more in foreign currency within the qualifying period.
- Receive a Renewal Miles Redemption Voucher for 10,000 KrisFlyer miles after American Express receives payment of the renewal annual membership fee each year.
- Earn 2 KrisFlyer miles for every S$1 spent on eligible Singapore Airlines and Scoot flight bookings, and KrisShop purchases, with no cap.
- Earn up to 2 KrisFlyer miles for every S$1 spent on eligible Grab Singapore transactions, up to S$200 spend in each calendar month.
- Earn 1.2 KrisFlyer miles for every S$1 spent on all other eligible purchases, with no cap.
- Hassle-free conversion with no transfer fee
- Read our full review of the American Express Singapore Airlines KrisFlyer Ascend Credit Card.
- Annual fee: S$397.85 (inclusive of GST) must be paid to enjoy welcome offers.
- Please refer to the American Express website (go.amex/singsaver) for the most up to date information on card benefits and its terms & conditions.
- Earn 3 miles per S$1 spend (UNI$7.5 per S$5 spend) on regional spend in Indonesia, Malaysia, Thailand, Vietnam, including online shopping on overseas website.
- Earn 2.4 miles per S$1 spend (UNI$6 per S$5 spend) on other overseas spend, including online shopping on overseas websites.
- Earn 1.4 miles per S$1 spend (UNI$3.5 per S$5 spend) on local spend.
- 4 complimentary lounge visits per calendar year for principal cardmembers.
- Earn up to 8 miles per S$1 spend (UNI$20 per S$5 spend) on agoda and Expedia bookings via UOB PRVI Miles website.
- Earn up to 6 bonus KrisFlyer miles for every S$1 spend if you also apply for a new KrisFlyer UOB Account.
- Complimentary personal accident coverage and emergency medical assistance of up to S$500,000.
- Choice to redeem for miles, cashback, or vouchers.
- No minimum spend and no cap on earned miles
- Annual fee of S$261.60
- Terms and conditions apply for all above-mentioned privileges. Visit here for more details. Insured up to S$100,000 by SDIC.
- Earn 3 miles for every S$1 spent on online transactions from transportation, food delivery, and online grocery merchants.
- Earn 2 miles for every S$1 on foreign currency transactions.
- Earn 1.2 miles for every S$1 spent locally.
- 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$500,000.
- Rewards points do not expire.
- Flexible redemption – enjoy your choice of air miles, cash rewards or travel vouchers on the SCB Rewards 360 platform.
- Get access to exclusive card offers and privileges with The Good Life programme.
- Transportation, food delivery and online grocery rewards capped at 3,000 miles in a statement cycle.
- Pick from 7 rewards categories to earn up to 25X UNI$ for every S$5 spend (10 miles per S$1)
- 10X UNI$ for every S$5 spent (equivalent to 4 miles per S$1) on 2 of your preferred rewards categories..
- Up to additional 15X UNI$ per S$5 spent (6 miles per S$1) when you save with UOB Lady's Savings Account
- UNI$1 per S$5 spent (equivalent to 0.4 miles per S$1) on other purchases.
- Complimentary travel insurance coverage of up to US$100,000.
- Complimentary e-commerce protection
- 0% LuxePay
- S$120,000 annual income
- S$410.40 annual fee
- S$5 earning blocks for miles.
- Automatic UNI$ deductions
- Up to 36X yuu Points (equivalent to 18% cashback) on yuu participating merchants.
- 1X yuu Point on all other spend.
- S$1 spend = 1 yuu Point. No limit. No cap.
- Customers need to download the new rewards app as yuu Points awarded can only be tracked on yuu Rewards app.
- Redemptions of yuu Points capped at 15,600 points (S$78) per calendar month.
- 4 miles per dollar on contactless, overseas, and petrol transactions.
- Travel insurance coverage of up to S$500,000.
- S$1,000 monthly minimum spend.
- Rewards bonus cap at S$2,000 per statement month.
- 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.
Maybank World Mastercard
- 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)
Maybank Horizon Visa Signature Card
- 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.
- 4 miles per S$1 spend on mobile contactless transactions, and selected online shopping and entertainment spend.
- No minimum spend
- 2-year points validity
- 0.4 miles per dollar on all other eligible spend
Best for dining
1. HSBC Revolution Credit Card
-
Seedly rating: 3.0 / 5
-
Rewards earned: Up to 10X Rewards Points per S$1 of eligible spend (Equivalent to 4 mpd or 2.5% cashback); 1X Rewards Point on all other spend
-
Minimum spend: None
-
Annual fee: None
-
Min. annual income: S$30,000 (Salaried Singaporeans/PRs only); S$40,000 (self-employed or commissioned Singaporeans/PRs); S$60,000 (Foreigners)
Card details
-
Earn 10X Reward Points (equivalent to 4 miles or 2.5% cashback per S$1) on online and contactless transactions, including dining, groceries, shopping, and travel bookings
-
1X Reward Point per S$1 on all other spend
-
Reward Points never expire and can be redeemed for miles, cashback, or vouchers
-
Bonus earn rate capped at S$1,000 per month
-
Bonus points only applicable on eligible spending; MCC transactions that don’t qualify only earn the base rate
SingSaver’s take
The HSBC Revolution Credit Card is a standout pick for diners in Singapore who want to rack up air miles fast without paying an annual fee. It earns 10X HSBC Reward points on eligible contactless and online dining (including food delivery), which works out to up to about 4 mpd when you convert points to airline miles, all with no minimum spend needed. That makes it one of the easiest “tap-to-earn” dining miles cards for everyday use.
However, the bonus rate is capped monthly, so heavy diners may hit the ceiling and revert to the low base earn after that. Also, if you specifically convert to KrisFlyer, note that HSBC’s transfer ratio to KrisFlyer was devalued from 25,000:10,000 to 30,000:10,000 miles from 16 Jan 2025, so your effective mpd to KrisFlyer is a bit lower than before, though transfers remain fee-free and you can still choose other airline partners.
Pros
Up to 10X points on eligible contactless and online spend, including dining and food delivery (roughly up to ~4 mpd depending on transfer partner).
No annual fee
Bonus earn kicks in without a minimum spend
HSBC has multiple transfer partners, and transfers are typically free
Cons
Monthly bonus cap means heavy dining spenders may hit the limit and revert to base earn.
Base earn on non-bonus categories is modest, so it’s not a strong “one-card for everything” miles option.
Some common spend types are excluded from bonus points, so you’ll want a backup miles card for those.
2. UOB Lady's Solitaire Card
-
Seedly rating: 5.0 / 5
-
Rewards earned: Up to 25X UNI$ for every S$5 spent (4 mpd)
-
Minimum spend: None
-
Annual fee: S$598.99
-
Min. annual income: S$120,000
Card details
-
Earn 10X UNI$ per S$5 spent (4 mpd) with no minimum spend on two chosen categories
-
Earn up to 15X additional UNI$ per S$5 spent (6 mpd) when combined with savings with UOB Lady’s Savings Account
-
Earn 1X UNI$ (0.4 mpd) per S$5 spend on all other purchases
-
e-Commerce protection on online purchases
-
Complimentary travel insurance up to USD 100,000
SingSaver’s take
The UOB Lady’s Solitaire Card is an exceptional choice for high-income earners who spend consistently on dining and wish to accelerate their air miles accumulation. This card allows you to select Dining as one of your two preferred bonus categories, unlocking a phenomenal earn rate of 10X UNI$ per S$5 spent, which equates to an impressive 4 mpd. This top rate applies to a wide range of dining expenses, including restaurants, fast food, and food delivery, for both local and overseas transactions.
This high-mileage earning is available with no minimum spend requirement. However, note that the 4 mpd bonus is currently capped at a combined total of S$1,500 monthly spend across your two chosen categories, with a strict sub-cap of S$750 per category. All other spending, or spending above the cap, earns a low base rate of 0.4 mpd. While providing a powerful miles boost for the avid diner, cardholders must carefully manage their monthly expenditure to maximise the S$750 dining cap and achieve the full reward potential.
Pros
Earns 4 mpd on the selected Dining category (and one other category of choice)
High bonus miles are available regardless of your total monthly expenditure
Bonus applies to in-store dining, fast food, and online food delivery
The 4 mpd rate is valid for dining spend overseas (within the cap), making it great for travelling foodies
Flexibility to change your two preferred bonus categories every calendar quarter
Cons
The 4 mpd bonus on Dining is capped at a strict S$750 spend per calendar month
Comes with a substantial annual fee
All expenditure outside the two selected bonus categories earns a low base rate of 0.4 mpd
UNI$ conversion to miles requires a fee per block
Best for online shopping
1. DBS Woman's World Card
-
Seedly rating: 4.7 / 5
-
Rewards earned: Up to 810X DBS Points per S$5 spent (4 mpd)
-
Minimum spend: None
-
Annual fee: S$196.20 (Waived with minimum spend of S$25,000 in each calendar year)
-
Min. annual income: S$80,000
Card details
-
Earn up to 10X DBS Points per S$5 spend (4 mpd) on online purchases
-
Earn 3X DBS Points per S$5 spend (1.2 mpd) on overseas transactions
-
Complimentary e-Commerce protection on online purchases
-
Enjoy exclusive dining, shopping and travel promotions for cardholders
-
DBS Points can be redeemed for air miles or other rewards
SingSaver’s take
The DBS Woman’s World Card is an essential card for individuals who carry out the bulk of their shopping online and aim to rapidly accumulate air miles. It provides an exceptional accelerated rate of 10X DBS Points per S$5 spent, which converts directly to a fantastic 4 mpd, applicable to all eligible online transactions. This versatile bonus covers a wide array of online purchases, from e-commerce sites like Amazon and Shopee to travel bookings and food delivery.
Crucially, there is no minimum spend required to unlock this 4 mpd bonus. However, cardholders must be aware of the expenditure cap: the bonus miles are limited to the first S$1,000 in eligible online spend per calendar month. Spending above this monthly limit, as well as all offline retail purchases, earns a poor base rate of just 0.4 mpd. Consequently, while highly rewarding for maximising online purchases, it requires careful spending control to avoid earning the minimal base rate.
Pros
Offers 4 mpd on virtually all eligible online transactions, locally and overseas
The high bonus rate is available without any monthly spending hurdle
Applies to a wide scope of online spend, including shopping, travel bookings, and food delivery
DBS Points can be pooled with other DBS cards
Cons
The 4 mpd bonus is strictly capped at S$1,000 online spend per calendar month
All non-online spend earns a low base rate of 0.4 mpd
Points must be converted to miles, usually incurring a small administrative fee per conversion
2. Citi Rewards Card
-
Seedly rating: 4.4 / 5
-
Rewards earned: Up to 10X Points per S$5 spend (4 mpd) on online and in-store purchases
-
Minimum spend: None
-
Annual fee: S$196.20 (Waived in first year)
-
Min. annual income: S$30,000 (Singaporean/PR only); S$42,000 (Foreigners)
Card details
-
Earn up to 10X Thank You Points (4 mpd) on shopping (both online and in-store transactions)
-
Earn 1X Thank You Point (0.4 miles) on all other purchases
-
Complimentary travel insurance when full fare is charged to card
-
Flexible rewards redemption options
SingSaver’s take
The Citi Rewards Card is an exceptionally popular card for individuals who consistently spend online and want to stack up air miles. It offers an outstanding accelerated rate of 10X ThankYou Points per S$1 spent (4 mpd), applicable to a vast range of eligible online transactions globally. This includes shopping, online groceries, food delivery, and ride-hailing services.
There is no minimum spend required to qualify for the high 4 mpd rate. However, a major constraint is the S$1,000 monthly cap on this bonus spending, which is applied per statement cycle. Furthermore, the bonus explicitly excludes all travel-related transactions and mobile wallet payments. While a powerhouse for digital spending within the cap, all expenditure above S$1,000 or on excluded categories earns a low base rate of just 0.4 mpd.
Pros
Offers 4 mpd (10X Points) on a wide range of eligible online purchases, local and overseas
High bonus miles are earned from the first dollar spent
Bonus covers online shopping, groceries, food delivery, and ride-hailing
Thank You Points are highly flexible, transferable to 11 different frequent flyer programmes
Cons
The 4 mpd bonus is strictly capped at S$1,000 spend per statement month
The 4 mpd bonus does not apply to any travel-related transactions (airlines, hotels, OTAs)
Mobile wallet payments (e.g., Apple Pay, Google Pay) do not earn the 4 mpd bonus
All non-bonus spending earns a very low base rate of 0.4 mpd
Best for groceries
1. HSBC TravelOne Credit Card
-
Seedly rating: 2.5 / 5
-
Rewards earned: Up to 2.4 mpd
-
Minimum spend: None
-
Annual fee: S$196.20 (Waived in first 3 years)
-
Min. annual income: S$65,000 (Foreigners and new to HSBC customers only); S$30,000 (salaried Singaporeans/PRs who are existing HSBC customers with TRB ≥s$50,000); S$40,000 (commissioned Singaporeans/PRs who are existing HSBC customers with TRB ≥s$50,000)
Card details
-
Earn up to 2.5 mpd on foreign transactions
-
Earn up to 1.2 mpd on local spend
-
No redemption fees for airline and hotel partners
-
Enjoy 4 complimentary lounge visits per year
-
Enjoy complimentary travel insurance when full travel fare is charged to the card
SingSaver’s take
The HSBC TravelOne Credit Card is a solid pick for travellers who want to earn air miles on everyday essentials like groceries without sacrificing on broader travel rewards. While it’s primarily designed as a travel miles card, it still delivers a respectable earn rate on general retail spending, including supermarket transactions. Its straightforward miles structure and wide acceptance also mean you won’t need to juggle multiple cards just to get value from your grocery spend.
That said, the TravelOne isn’t a dedicated grocery or retail category card, so its earn rate on groceries may not be as high as what you’d get on targeted lifestyle or cashback cards. If groceries are your single biggest spend and you’re not focused on travel miles, pairing the TravelOne with a high-rebate grocery card could be worth considering.
Pros
Earns miles on grocery and everyday retail spend while still delivering strong travel rewards
Simple earn structure without complex category caps
Wide global acceptance for both local and overseas spend
Travel perks and miles conversions across multiple airline partners
Cons
Grocery earn rate may be modest compared to specialised supermarket or cashback cards
Not focused on lifestyle bonuses beyond general retail and travel spend
Foreign currency fees can reduce net value on overseas purchases
May be less rewarding for non-travellers or those who rarely redeem miles
2. DBS yuu Visa Card
-
Seedly rating: 2.8 / 5
-
Rewards earned: Up to 18% cashback (10 mpd) on transactions at eligible yuu merchants
-
Minimum spend: S$600 (For bonus cashback)
-
Annual fee: S$196.20 (Waived in first year)
-
Min. annual income: S$30,000 (Singaporean/PRs 54 and below only); S$15,000 (Singaporeans/PRs above 55); S$45,000 (Foreigners)
Card details
-
Earn up to 18% cash rebates (or 10 miles per S$1 equivalent) at yuu partner merchants like Cold Storage, Giant, 7-Eleven, foodpanda, and Gojek
-
Earn yuu Points on every spend with no minimum spend requirement
-
yuu Points can be redeemed instantly via the yuu App for groceries, dining, rides, and more
-
Rebates stack with merchant promotions and the yuu rewards ecosystem
SingSaver’s take
The DBS yuu Card is a specialised rewards card offering an almost unbeatable accrual rate for groceries and daily essentials within the yuu ecosystem. When you meet the required conditions, the card yields 36 yuu Points per S$1 spent, which converts to an impressive equivalent of 10 mpd. This accelerated rate is valid at major yuu grocery partners like Giant and Cold Storage/CS Fresh.
This formidable miles rate requires cardholders to meet a minimum spend of S$800 per calendar month and transact at four different participating yuu merchants (including SimplyGo). If you do not meet this minimum spend, the rate drops significantly to 2.8 mpd (10 yuu Points per S$1). The bonus is also capped at a combined spending limit of approximately S$822.86 per card per month, offering a maximum of around 8,000 miles monthly.
Pros
Offers an outstanding 10 mpd equivalent on groceries at yuu partners (Cold Storage, Giant, etc.)
yuu Points can be converted to KrisFlyer miles directly within the yuu App without a conversion fee
The spending cap for the top bonus rate is relatively high at around S$822.86 per card per month
Points are awarded per S$1 spent, eliminating small transaction rounding losses
Cons
The 10 mpd rate requires a steep S$800 minimum spend per calendar month
To qualify for the top rate, you must transact at four different participating merchants each month
The high bonus rate is restricted solely to yuu partners; all non-yuu spend earns a minimal 0.14 mpd
Best for travel
1. KrisFlyer UOB Credit Card
-
Seedly rating: 2.4 / 5
-
Rewards earned: Up to 3 mpd
-
Minimum spend: S$1,000 annually for enhanced miles (On SIA, Scoot and KrisShop per membership year)
-
Annual fee: S$196.20 (Waived in first year)
-
Min. annual income: S$30,000 (Only for Singaporeans/PRs 55 years old and below S$15,000 for Singaporeans/PRs 56 years old and above, S$40,000 for foreigners)
Card details
-
Earn 3 mpd on Singapore Airlines, Scoot, KrisShop, Kris+, Pelago (on these qualified transactions)
-
Earn 2.4 mpd on dining, food delivery, online shopping, online travel & transport (when S$1,000 in SIA Group spending is met in the membership year)
-
1.2 mpd on all other spend
-
No mileage conversion required — miles go directly to KrisFlyer account
-
Uncapped bonus earn rate (no limit on bonus miles
SingSaver’s take
The KrisFlyer UOB Credit Card is a compelling option for travellers who want to build their KrisFlyer balance through both everyday spending and Singapore Airlines–related purchases. Its base earn rate of 1.2 mpd on all general transactions ensures that even non-travel spend contributes toward your next redemption.
Where the card truly shines, however, is in its accelerated earn rate of 3 mpd on core travel and travel-adjacent categories,including Singapore Airlines, Scoot, KrisShop, Kris+, Pelago, dining, online shopping and selected transport spend. This makes it exceptionally rewarding for cardholders who regularly book flights, shop with SIA’s partners, or maintain an active travel lifestyle.
That said, its bonus rates apply only to specific merchant categories, and most everyday transactions will revert to the 1.2 mpd base earn rate. Travellers seeking broad, uncapped miles accumulation across diverse categories may find other general-spend miles cards more flexible.
Pros
Offers a respectable 1.2 mpd on all general spend, ensuring substantial mileage accumulation even on non-travel expenses
Eligible transactions earn 2.4 mpd with a minimum spend of S$1,000 on SIA, Scoot and KrisShop per calendar year)
Miles are credited directly into your KrisFlyer account
Typically includes a waiver for the annual fee in the first year
Cons
High-mileage earnings are restricted to a limited set of merchant categories, meaning most routine spending defaults to the 1.2 mpd base rate
The 1.2 mpd base rate applies to overseas transactions, which is not highly competitive against dedicated travel cards
Does not typically offer many premium travel benefits like airport lounge access or travel insurance
2. UOB PRVI Miles Card
-
Seedly rating: 4.1 / 5
-
Rewards earned: Up to 8 mpd
-
Minimum spend: None
-
Annual fee: S$261.60 (Waived in first year)
-
Min. annual income: S$30,000 (Singaporean/PRs 55 and below only); S$15,000 (Singaporeans/PRs above 55); S$40,000 (Foreigners)
Card details
-
Earn UNI$12.50 per S$5 (5 mpd) on overseas shopping and dining
-
Earn UNI$3.50 per S$5 (1.4 mpd) on local spending
-
Earn up to UNI$20 per S$5 (8 mpd) on hotel and flight bookings via Expedia and Agoda
-
Enjoy 4 complimentary lounge visits per year with Priority Pass
-
Enjoy complimentary travel insurance with up to S$100,000 coverage
SingSaver’s take
The UOB PRVI Miles Card is a premium card designed specifically for the frequent traveller who requires consistently high miles accumulation both at home and abroad. It offers a very competitive base earn rate of 1.4 mpd on all local spend, and an excellent 2.4 mpd on most overseas transactions. This makes it one of the strongest general-purpose miles cards with no minimum spend or category caps.
The card truly shines on specific travel bookings, awarding an exceptional rate of up to 8 mpd on Agoda and Expedia bookings made via the dedicated UOB PRVI Miles travel portals. Furthermore, frequent flyers benefit from valuable perks like four complimentary Priority Pass lounge visits annually for the principal cardholder and complimentary travel insurance.
Pros
Offers a market-leading base rate of 2.4 mpd on general overseas spend, with no cap
A solid 1.4 mpd on all local spend, making it a great card for everyday use
Earns up to 8 mpd on hotel/flight bookings made through dedicated Agoda/Expedia portals
Includes 4 complimentary Priority Pass lounge visits per year for the principal cardholder
Cons
Comes with a substantial annual fee (S$261.60), although the first year is typically waived
Foreign transaction fee of 3.25% applies, offsetting some of the high miles earned overseas
UNI$ (which convert to miles) expire after 2 years
A conversion fee applies each time UNI$ are converted to miles
Best for public transport
1. UOB Preferred Platinum Visa Card
-
Seedly rating: 4.7 / 5
-
Rewards earned: Up to 10X UNI$ (4 mpd) per S$5 spend
-
Minimum spend: None
-
Annual fee: S$196.20 (Waived in first year)
-
Min. annual income: S$30,000 (Singaporean/PR 55 years old and below only); S$15,000 (Singaporeans/PRs 56 years old and above); S$40,000 (Foreigners)
Card details
-
Earn 10X UNI$ (equivalent to 4 miles per S$1) on online and mobile contactless transactions, including dining, food delivery, fashion, entertainment, and transport
-
Earn 1X UNI$ per S$5 on all other retail spend
-
No minimum spend required to qualify for bonus UNI$
-
UNI$ can be converted to KrisFlyer miles or other airline partners
SingSaver’s take
The UOB Preferred Platinum Visa Card is an exceptional choice for accruing air miles through public transport (SimplyGo transactions). The card offers a superb accelerated rate of 10X UNI$ per S$5 spent, translating to 4 mpd. This rate is applied to your total monthly SimplyGo spend, efficiently circumventing the small transaction rounding problem.
However, keep in mind that this benefit is contingent on using mobile contactless payments (e.g., Apple Pay). Utilising the physical card or for general spend yields a low base rate. While excellent for the daily commuter seeking effortless miles, be aware that the bonus miles are subject to a monthly cap split across two expenditure categories.
Pros
Earn 10X UNI$ (4 mpd) on online and mobile contactless spend
No minimum spend required for bonus UNI$
First-year annual fee waiver
Easy miles conversion with multiple airline partners
Ideal for everyday lifestyle and digital payments
Cons
Base earn rate (1X UNI$ per S$5) is low for non-bonus categories
Limited travel benefits (no lounge or insurance perks)
Excludes bill payments, utilities, and certain MCCs
Foreign currency transactions earn only base UNI$ rate
Best for fuel
1. DBS Altitude Visa Card
-
Seedly rating: 4.3 / 5
-
Rewards earned: Up to 2.2 mpd
-
Minimum spend: None
-
Annual fee: S$196.20 (Waived in first year)
-
Min. annual income: S$30,000 (Singaporean/PR 55 years old and below only); S$15,000 (Singaporeans/PRs 56 years old and above); S$45,000 (Foreigners)
Card details
-
Earn up to 2.2 mpd on overseas spend
-
Earn up to 1.3 mpd on local spend
-
DBS Points earned do not expire
SingSaver’s take
The DBS Altitude Visa Signature Card is a dependable choice for drivers who want to earn air miles on their petrol spending without dealing with restrictive bonus categories. Fuel purchases typically earn 1.3 mpd, one of the higher rates among general-spend miles cards, making it a strong option for motorists who spend regularly at the pump. Pair this with 2.2 mpd on overseas spend and non-expiring miles, and the card becomes a convenient all-rounder for frequent travellers.
However, unlike specialised fuel cards, the Altitude does not offer stacked petrol station discounts so your value comes primarily from miles, not upfront savings. Drivers who prioritise rebates may prefer hybrid cashback–miles cards, but for those focused on building travel rewards while covering everyday fuel expenses, the Altitude is a reliable and fuss-free pick.
Pros
Earns 1.3 mpd on fuel as part of general local spend
Strong 2.2 mpd on overseas spend
Miles never expire
Complimentary lounge visits (Visa version)
Easy to use as a no-minimum-spend miles card
No additional petrol discounts beyond miles earn
General-spend rate may be outpaced by specialised category cards
Foreign currency fees reduce net overseas earn rate
Limited bonus categories
How to earn and maximise miles in Singapore
Earning miles well in Singapore is less about owning one “best” card and more about building a simple system. Most people get the most value by pairing a strong general-spend miles card with one or two high-earn bonus cards for daily categories like dining, online shopping or transport. Once you know which cards to use for which spend, and how to time sign-ups, you can stack miles quickly without changing your lifestyle.
Plan welcome bonuses for maximum payoff
Welcome bonuses often give you the biggest instant jump in miles, so it pays to be strategic. Choose cards with bonuses that match your upcoming big-ticket spend (e.g., travel bookings, hospital bills, home electronics), then time your application so you can hit the minimum spend comfortably within the promo window.
Avoid applying for multiple cards at once, not only because of credit checks, but because you might miss bonus deadlines or split spend too thinly to unlock any of them.
Prioritise categories that earn the most miles
In Singapore, the highest miles earn rates usually come from specific categories such as online shopping, contactless spend, dining, and certain travel-related merchants. Use specialised cards to earn 4–10 mpd equivalents in these areas, and reserve your general-spend miles card for everything else. The trick is to funnel your routine spending into high-earning categories first, because that’s where your miles balance grows fastest.
Mix and match cards based on how you spend
Think of your miles setup like a small “card roster” that includes:
-
One general miles card for uncategorised spend (insurance, hospitals, big bills, in-store purchases that don’t qualify for bonuses).
-
One or two bonus-category cards for your biggest lifestyle buckets (e.g., dining/transport or online shopping).
This keeps things easy: you’re not tracking 5–6 cards, just using the right one for each spend type. Over time, you can rotate cards as your lifestyle changes (new baby, more travel, less dining out, etc.).
Watch expiry and transfer rules closely
Miles value can leak quietly through expiry and poor transfer timing. Some banks’ points never expire, others do — so always check your rewards currency (e.g., UNI$, ThankYou Points, DBS Points) and how long you have to convert them. Transfer only when you’re near a redemption to avoid airline-mile expiry, and watch for transfer blocks or minimum conversion units that can leave “orphaned” points behind. A little housekeeping here prevents miles from expiring unused.
Evaluating general air miles credit cards
The air miles cards featured at the top of this page are general travel cards. They are issued by banks, not airlines, and offer a broader range of benefits and redemption options. With these cards, you can earn miles on every purchase, sometimes with additional miles awarded for specific spending categories.
What do you do with those miles? Depending on the card, you have several options for redeeming your accumulated miles:
-
Booking travel: Use your miles to pay for flights, hotels, and other travel arrangements booked through the card issuer's online travel portal.
-
Statement credit: Redeem your miles for statement credit to offset travel purchases made directly with airlines, hotels, or travel agencies.
-
Transferring to partners: Some card issuers allow you to transfer your miles to frequent flyer programmes or hotel loyalty programmes, giving you more flexibility in how you use your rewards.
-
Cashback, gift cards, or merchandise: If you prefer, you can redeem your miles for cashback, shopping vouchers, or merchandise, though you might receive a lower value per mile compared to redeeming for travel.
While co-branded cards may offer airline-specific perks, general travel cards provide more flexibility and often come with valuable perks of their own, such as:
-
Travel credit: Some cards provide automatic reimbursement for travel-related expenses like airfare or hotel stays.
-
Airport lounge access: Enjoy complimentary access to airport lounges worldwide, offering a comfortable and convenient space to relax before your flight.
Evaluating airline credit cards in Singapore
Airline credit cards in Singapore, such as those co-branded with Singapore Airlines KrisFlyer or Cathay Pacific Asia Miles, allow you to earn miles with each purchase. These cards typically offer a base earn rate of 1 mile per dollar spent, with a higher earn rate on purchases made with the co-branded airline. Some airline cards also offer bonus miles for spending in specific categories, such as dining or hotel bookings.
The miles you earn with an airline credit card are typically credited directly to your frequent flyer account, which you can then use to redeem for award flights, upgrades, and other travel benefits with the airline or its partners.
Airline credit cards often come with attractive sign-up bonuses and a range of perks that can enhance your travel experience. Some common perks include:
-
Free checked bags: Enjoy complimentary checked bags for yourself and your travel companions, making your airport experience smoother and more convenient.
-
Priority boarding: Board the plane early and secure overhead bin space for your carry-on luggage.
-
In-flight discounts or freebies: Enjoy discounts on in-flight purchases, such as food and beverages, or receive complimentary Wi-Fi access during your flight.
-
Airport lounge access: Access airport lounges to relax and unwind before your flight, with amenities like comfortable seating, Wi-Fi, and refreshments.
-
Companion fares: Bring a travel companion along for a discounted fare when you purchase a full-fare ticket.
-
Tier benefits and accelerated elite status: Some airline credit cards offer a fast track to elite status in the airline's frequent flyer program, unlocking a range of exclusive benefits and privileges.
Should you get air miles cards? Pros and cons
Pros: Why it's worth getting an air miles card
-
The sign-up bonus gives you a head start on travel: Sign-up bonuses on the best air miles cards in Singapore can be substantial, often providing enough miles for a free flight or a significant discount on your travel expenses.
-
Perks enhance your travel experience: Many air miles cards offer valuable perks that can make your travels more enjoyable and less stressful. Enjoy benefits like airport lounge access, priority boarding to secure overhead bin space, and travel insurance for peace of mind during your trips.
-
Rewards bring your next trip closer: Earn miles on your everyday purchases, turning your regular spending into opportunities for free flights, hotel stays, and other travel rewards. Every dollar you spend brings you closer to your next getaway.
-
No foreign transaction fees mean big savings: Save on overseas spending by choosing a card with no foreign transaction fees. This can result in significant savings, especially if you travel or shop internationally frequently.
-
Strategic redemption can maximise value: The value of your air miles can vary depending on how you redeem them. By understanding the different redemption options and choosing wisely, you can maximise the value of your rewards. For example, transferring your miles to airline partners or redeeming them for premium cabin flights can often yield a higher value per mile.
Cons: Why an air miles card might not be for you
-
Annual fees can be a burden: Most of the best air miles cards charge an annual fee. While the perks and rewards can often outweigh the cost, some individuals might be hesitant to pay a fee. If you're strictly against paying an annual fee, there are no-fee options available, but they typically offer lower rewards rates or fewer perks.
-
Sign-up bonus spending requirements can be challenging: While sign-up bonuses can be lucrative, they often come with high spending requirements. For example, some cards may require you to spend S$3,000 to S$8,000 within the first few months to unlock the full bonus. Be sure to assess your spending habits and ensure you can meet the requirements without accumulating unnecessary debt.
-
Air miles cards aren't ideal for infrequent travellers: In your first year with an air miles card, you'll likely come out ahead due to sign-up bonuses and waived annual fees. However, in subsequent years, you'll need to use the card frequently to earn enough rewards and utilise the perks to justify the annual fee. If you travel infrequently, a cashback card with no annual fee might be a more rewarding option.
-
Cashback is simpler and more flexible: Some air miles cards have limitations on how you can redeem your rewards, potentially reducing their value. Cashback cards, on the other hand, offer a more straightforward and flexible rewards programme. You earn cashback on your purchases, which can be redeemed for statement credit, cash rebates, or other rewards. Cashback rewards are generally easier to understand and redeem compared to air miles.
-
Rewards cards tend to have higher interest rates: If you tend to carry a balance on your credit card, the higher interest rates typically associated with rewards cards, including air miles cards, can offset the value of your rewards. You might be better off with a low-interest card that helps you minimise interest charges.
Air miles vs. cashback and other rewards: which is best?
Miles are best if you travel at least occasionally and are willing to redeem strategically as they can deliver outsized value for premium cabin flights or long-haul tickets. Cashback is simpler and better for people who want guaranteed savings without tracking redemptions, blackout dates, or award space.
In practice, many Singaporeans use a hybrid approach: miles cards for travel and big-ticket spend, cashback cards for daily essentials. The “best” choice is the one that fits how you spend and how much effort you want to put into optimising rewards.
Frequently asked questions about air mile credit cards
-
Apply broadly: Look for credits applicable to a wide range of travel expenses (flights, hotels, car rentals) booked anywhere, not just limited items (e.g., in-flight purchases) or specific issuer portals.
-
Appear automatically: The simplest credits are automatically applied to your statement after a qualifying purchase, requiring no calls, receipts, or forms.
Points and miles are interchangeable terms for the rewards currency used by travel credit cards. Though historically "miles" were based on distance flown, most airlines now award them based on spending. When redeeming, the number of points or miles needed depends on the reward's cost (e.g., flights, hotels), not the term used.
Generally, a good to excellent credit score is required to qualify for an air miles credit card. While there's no official minimum credit score stated by banks in Singapore for air miles cards, a credit score of 650 or higher is generally considered good and increases your chances of approval.
However, keep in mind that credit score is just one factor banks consider. They also assess your income, employment history, and existing debt obligations.
You can earn air miles on most travel credit cards for business travel, as they usually don't distinguish between personal and business spending. Some business-specific cards offer tailored perks and bonus rewards.
However, if your company uses a company card for booking, the rewards typically go to the company. If you use your personal card for business travel and are reimbursed, you earn the miles. If you have a company card with your name, check your company's policy on rewards.
The easiest credits to redeem are the ones that:
Yes, most air miles cards have an annual fee, though this is often waived for the first year. Some premium cards waive the fee if you meet a high minimum annual spend.
You typically convert the bank's reward points (e.g., UNI$, DBS Points, ThankYou Points) into miles by logging into your bank's rewards portal or mobile app, selecting the desired frequent flyer programme (like KrisFlyer or Asia Miles), and initiating the transfer in fixed blocks.
Yes, most Singapore banks charge an administrative fee per conversion regardless of the number of points transferred. American Express and HSBC are notable exceptions that often offer fee-free transfers.
Yes. Banks typically exclude certain types of payments from earning miles, such as: Government payments (e.g., taxes), insurance premiums, educational institutions, utilities bills, EZ-Link/GrabPay top-ups, and quasi-cash/money transfers. Always check what’s excluded before applying for an air miles credit card.
Miles value is subjective but is generally calculated by dividing the cash price of a flight (excluding taxes) by the number of miles required for the same flight. The resulting value (e.g., 1.5 cents per mile) helps determine if a redemption offers good value.
Generally, no. Miles earned directly into one airline's frequent flyer programme (e.g., KrisFlyer) cannot be transferred to another airline's programme (e.g., Asia Miles), even if they are alliance partners. The key exception is the Avios currency.