Best Miles Credit Cards With No Minimum Spend in Singapore 2024
Unlock unparalleled travel opportunities with the Best No Minimum Spend Miles Credit Cards in Singapore. Seamlessly earn air miles without the constraints of meeting spending thresholds. From everyday expenses to special treats, these cards offer effortless mileage accumulation, ensuring you're ready to embark on unforgettable journeys. So get ready, strap in, and experience the joy of flexible rewards and hassle-free travel planning with these ultimate travel companions.
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.
Annual Fee
S$ 196.2
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First Year Waived
Offer Available
Welcome Offer
S$350 cash credit
Valid until
31 July 2024
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Local spending rebate
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Installment
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No monthly spend required
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Rebate cap applied
Pick from 7 rewards categories to earn up to 25X UNI$ 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$5 on online transactions; otherwise 1.2 miles per dollar. (or 3X DBS Points).
Annual Fee
S$ 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.
Annual Fee
No Annual Fee
Offer Available
Welcome Offer
Up to S$1,800 cashback
Valid until
31 August 2024
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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$1,800.
On entertainment, online shopping, and mobile contactless payment(Apple Pay, Google Pay, Fitbit Pay, Samsung Pay, UOB Mighty.
Airmiles Overseas
4 miles per dollar
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On entertainment, online shopping, and mobile contactless payment(Apple Pay, Google Pay, Fitbit Pay, Samsung Pay, UOB Mighty.
Annual Fee
S$ 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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Mobile contactless rebate
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Installment
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Rebate cap applied
4 miles per dollar on online shopping, mobile contactless, and entertainment transactions.
No minimum spend
2-year points validity
0.4 miles per dollar on all other eligible spend, including bus/MRT transactions.
Terms and Conditions :
Installment Processing Fee: From 3 %
Eligibility :
Minimum Age: 21 years old
Min. Annual Income: S$ 30000
DBS Woman's Card
Airmiles Local
Up to 2 miles per dollar
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5X DBS Points per S$5
Airmiles Overseas
0.4 miles per dollar
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1X DBS Point per S$5
Annual Fee
S$ 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
remove
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
American Express Singapore Airlines Business Credit Card
Airmiles Local
1.8 HighFlyer points
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Per S$1
Airmiles Overseas
1.8 HighFlyer points
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Per S$1
Annual Fee
S$ 304.59
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Non-waivable
Offer Available
Welcome Offer
30,000 HighFlyer points (worth S$285)
Valid until
30 September 2024
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Bonus air miles
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Airport lounge
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Air ticket rebate
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Rebate cap applied
Earn up to 8.5 HighFlyer Points per S$1 spent on eligible Singapore Airline Group flights, worth 8.5% cashback.
Earn HighFlyer Points for your Business: earn 5 HighFlyer points per S$1 spent on flights, while your employees continue to earn KrisFlyer Miles.
Earn 1.8 HighFlyer Points per S$1 spent on all other eligible purchases, worth 1.8% cashback.
Accelerate to KrisFlyer Elite Gold (KFEG) with S$15,000 spend with Singapore Airlines Group in the first 12 months.
Complimentary night stay yearly and up to 50% dining discounts with Accor Plus across Asia Pacific worth $398 annually.
Priority Pass membership with 2 complimentary visits per year.
Welcome Offer
Gift Options
30,000 HighFlyer points (worth S$285)
Promotion is valid for new American Express credit cardmembers only
Apply for the American Express Singapore Airlines Business Credit Card, make a min. spend of S$3,000 within 3 months of card approval, and pay the annual fee (S$304.59 incl. GST) in the first statement to be eligible for reward
Receive 24,600 HighFlyer points upon fulfilling reward criteria
Receive 5,400 HighFlyer points based on the S$3,000 spent (based on 1.8 HighFlyer points per S$1 spent)
Promotion does not stack with other offers from American Express
Non-waivable for first year. Waiver will be granted in subsequent years with a minimum eligible spend of S$60,000 within in a calendar year.
Offer Available
Welcome Offer
Up to 85,000 miles
Valid until
30 September 2024
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Things to consider for this product:
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Bonus air miles
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Local spending rebate
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Overseas rebate
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Airport lounge
1.5 miles or 1.5% cashback per S$1 spent locally, such as groceries, shopping and more.
2.2 miles or 2.2% cashback per S$1 spent on overseas purchases in foreign currency.
Receive 25,000 bonus miles when you pay the annual fee of S$550 (exclusive of GST) to renew your membership.
Complimentary Accor Plus Explorer membership with 1 free hotel night stay at Sofitel, Fairmont, Swissotel and over 1000 hotels worldwide.
Complimentary Digital Priority Pass™ Membership and 10 free lounge visits to over 1,300 airport lounges worldwide within each 12-month period of membership.
Members-only dining privileges at over 80 of Singapore’s fine dining establishments, including Michelin-awarded restaurants.
Annual fee of S$588.50 (inclusive of GST) is non-waivable for the first year.
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).
Welcome Offer
Gift Options
Up to 85,000 miles
Promotion is valid until 30 September 2024.
Promotion is valid for new and existing DBS credit cardmembers.
Apply for the DBS Vantage Card and make a min. spend of S$4,000 within 30 days of card approval to be eligible for reward.
New DBS cardmembers will receive 85,000 miles.
Existing DBS cardmembers will receive 40,000 miles.
50,000 miles upon SMS registration and fulfilling spend requirement
Valid until
31 July 2024
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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.
Minimum S$50,000 eligible spend in first 12 months of card issuance date to qualify for Step Up Earn Rate.
Airmiles Overseas
Up to 2.25 miles per dollar
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Minimum S$50,000 eligible spend in first 12 months of card issuance date to qualify for Step Up Earn Rate.
Annual Fee
S$ 662.15
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S$497.06 for HSBC Premier customers
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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Bonus air miles
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Airport lounge
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Travel insurance
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Annual Fee required
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.
Base earn rates of 1 mile per S$1 on local spend and 2 miles per S$1 in foreign spend.
Step Up earn rates of 1.25 miles per S$1 on local spend and 2.25 miles per S$1 in foreign spend with min. S$50,000 eligible purchases within first 12 months of card issuance date.
Regular cardholders: 2x complimentary expedited immigration clearance per calendar year, thereafter min. S$2,000 eligible spend in a calendar month to qualify.
Regular cardholders: 2x complimentary airport limousine service per calendar year, thereafter min. S$2,000 eligible spend in a calendar month to qualify (capped at 24 usages per calendar year).
HSBC Premier customers: 4x complimentary expedited immigration clearance and airport limousine service each per calendar year.
Unlimited airport lounge access for primary and supplementary cardholders.
Up to US$2 million complimentary travel insurance coverage (including up to US$100,000 for COVID-19).
Complimentary concierge services for travel, golfing, dining, shopping, and business assistance.
Exclusive discounts on retail, dining, hotel stays, and more offers.
US$35 per guest per visit for airport lounge access.
HSBC Rewards Points expire after 37 months.
S$43.20 annual Mileage Programme fee (convert points into KrisFlyer and/or Asia Miles).
Expensive annual fee of S$656.08 for everyone, but S$492.56 annual fee reserved for HSBC Premier customers only.
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$1,800.
American Express Singapore Airlines KrisFlyer Ascend Credit Card
Airmiles Local
1.2 miles per dollar
Airmiles Overseas
2 miles per dollar
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In June and December.
Annual Fee
S$ 343.35
Offer Available
AMEX 30 Million Miles Giveaway
Up to 38,000 KrisFlyer miles
Valid until
30 September 2024
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Unlimited air miles
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Airport lounge
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Travel insurance
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Annual Fee required
1.2 KrisFlyer miles for every S$1 spent on all eligible purchases.
2 KrisFlyer miles for every S$1 equivalent in foreign currency spent overseas on eligible purchases during June and December.
3.2 KrisFlyer miles for every S$1 spent on Grab Singapore transactions, up to S$200 spent each calendar month.
4 complimentary lounge passes each year.
Complimentary one night stay each year at participating Hilton Properties and complimentary upgrade to Hilton Honors Silver membership tier.
2 KrisFlyer miles per S$1 spent on singaporeair.com, SingaporeAir mobile app, silkair.com and KrisShop, with no cap.
Read our full review of the American Express Singapore Airlines KrisFlyer Ascend Credit Card.
Annual fee: S$343.35 (inclusive of GST) must be paid to enjoy welcome offers.
AMEX 30 Million Miles Giveaway
Gift Options
Up to 38,000 KrisFlyer miles
Promotion is valid for new and existing American Express Card Members
Apply for The American Express® Singapore Airlines KrisFlyer Ascend Credit Card, make a min. spend of S$1,000 within 30 days of card approval, and pay the annual fee (S$343.35 incl. GST) to be eligible for rewards
New to American Express Card Members
Welcome Offer: Receive 27,800 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 1,200 KrisFlyer miles based on the S$1,000 spent (based on 1.2 KrisFlyer miles per S$1 spent locally)
AMEX 30 Million Miles Giveaway: Grab your additional 4,000 KrisFlyer miles* upon fulfillment of reward criteria
Existing American Express Card Members
Welcome Offer: Receive 27,800 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 1,200 KrisFlyer miles based on the S$1,000 spent (based on 1.2 KrisFlyer miles per S$1 spent locally)
AMEX 30 Million Miles Giveaway: Grab your additional 4,000 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.
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.
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$500 within 30 days of card approval to be eligible for reward.
Customers who apply for Citigold through the one-sell bundle will not be eligible for the SingSaver Exclusive offer for Citigold.
Fastest Reward Fulfilment: Receive your reward in as little as 4 weeks!
American Express Singapore Airlines KrisFlyer Credit Card
Airmiles Local
1.1 miles per dollar
Airmiles Overseas
2 miles per dollar
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In June and December.
Annual Fee
S$ 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$500 within 30 days of card approval to be eligible for reward.
Promotion is not stackable with other welcome offers from Standard Chartered.
Get 10% off regular-priced items all year round at Metro.
Enjoy 5% Metro$ rebates on all merchandise, including sale items at Metro.
Earn UNI$1 for every S$5 spent; redeem over 1,000 rewards from dining treats to shopping vouchers.
Indulge in savoury treats and discounts at over 1,000 dining establishments.
20% off regular items in Metro on your birthday month.
Exclusive invites to Double Metro$ Day, events and previews.
Free delivery service when you spend a minimum of S$150 nett at Metro.
10% discounts applies to regular-priced items with a blue tag.
5% rebate is awarded in the form of Metro$ based on the nett amount charged to the Metro-UOB Card.
Terms and Conditions :
Installment Processing Fee: From 3 %
Eligibility :
Minimum Age: 21 years old
Minimum Annual Income: S$ 30000
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Gift Options
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See All Prizes
8x Apple iPad (each worth $679)
8x Dyson AirwrapTM styler (each worth $849)
8x Nintendo Switch OLED (each worth $549)
8x Playstation®5 consoles (each worth $799)
How does a Miles Credit Card With No Minimum Spend work?
A miles credit card with no minimum spend requirement tends to work as an excellent travel credit card. It let you earn rewards or miles for each purchase without needing to meet a specific spending threshold.
It rewards you immediately for every eligible transaction, making it a convenient option for various spending patterns. You can accumulate rewards from your first purchase onwards and redeem them for travel-related expenses like flights and hotels.
How to best use a Miles Credit Card With No Minimum Spend?
Using a Miles Credit Card With No Minimum Spend effectively can help you maximise your rewards while enjoying the benefits of the card. Here's how to make the most of it:
Use it for everyday spending
Use the card for your everyday expenses, such as groceries, dining, bills, and shopping. Since there's no minimum spend requirement, you can earn rewards on all your eligible purchases.
Spend strategically
While there's no minimum spend, focus on spending strategically. Concentrate on categories that offer higher miles earn rates, such as travel, dining, transport, groceries, or online purchases. These bonus miles categories vary from card to card, and can either be specific categories or cover a broad range.
For instance, the UOB Lady’s Card and UOB Lady’s Solitaire Card rewards 6 miles per S$1 spend on 1 or 2 chosen categories (respectively) like Beauty & Wellness, Fashion, Dining, Family, Travel, Transport, or Entertainment. Meanwhile, the Citi Rewards Card rewards 4 miles per S$1 spend on most online purchases unless stated otherwise.
Leverage with other promotions
Keep an eye out for special promotions or bonus offers provided by the card issuer. These promotions can allow you to earn additional rewards for specific spending categories or during certain periods.
Optimise your redemptions
Accumulate your miles over time and redeem them for high-value rewards, such as flights or travel-related expenses. Compare redemption options to get the best value for your earned miles.
Combine or stack your rewards
Some Miles Credit Cards With No Minimum Spend allow you to pool your miles from multiple cards or accounts. This can help you reach your redemption goals more quickly.
Who should use a Miles Credit Card With No Minimum Spend?
A Miles Credit Card With No Minimum Spend requirement can be an excellent choice for various types of individuals who want to earn travel rewards without the obligation of reaching a specific spending threshold. Here are some people who might benefit from using such a card:
Casual spenders
Individuals who don't consistently meet high spending requirements can benefit from a miles card with no minimum spend. They can earn rewards on their regular spending without worrying about meeting a specific threshold.
Budget-conscious spenders
People who want to earn travel rewards while staying within their budget can opt for this type of card. It allows them to earn miles without feeling pressured to overspend.
Infrequent travellers
Those who don't travel frequently might find a no minimum spend miles card appealing. They can accumulate rewards slowly over time and redeem them for occasional trips when ready.
Diverse spenders
Individuals with varying spending patterns can use this card effectively. They can earn rewards from a mix of categories without being restricted to a particular type of expenditure.
Small business owners
Entrepreneurs running small businesses can benefit from a no minimum spend miles card, as they can earn rewards on business expenses without worrying about hitting a high threshold.
Frequent card rotators
Individuals who frequently switch between different credit cards might appreciate the flexibility of a no minimum spend miles card. They can add it to their rotation without commitment.
Things to look out for when choosing a Miles Credit Card With No Minimum Spend
When selecting a Miles Credit Card with No Minimum Spend requirement, there are several important factors to consider to ensure that the card aligns with your travel goals and financial habits. Here are some key things to look out for:
Rewards structure
Understand how the card's rewards structure works. Check how many miles or points you earn per dollar spent and whether certain spending categories offer higher rewards rates.
Redemption options
Review the options for redeeming your earned miles. Make sure the redemption options are suitable for your travel preferences, such as flights, hotels, or other travel-related expenses.
Bonus miles earning caps
Check if there are any caps or limits on the number of bonus miles you can earn within a specific timeframe or spending category.
Although there aren’t usually any caps or restrictions on base miles earned. This means that once you hit the spend cap for certain miles credit cards, you can still continue earning the base miles rate on your relevant spend. However, that wouldn’t be maximising your miles credit card already.
Miles expiry
Understanding the expiration policy for earned miles is important. Some cards have miles that expire after a certain period of inactivity.
For instance, Citi Miles (Citi PremierMiles Card), DBS Points (DBS Altitude Card), and 90°N Miles (OCBC 90°N Card) don’t expire. In contrast, the rewards points earned by the HSBC Revolution Card expire after 37 months from its earn date.
Frequently asked questions for Miles Credit Cards With No Minimum Spend
What does no minimum spending mean?
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"No minimum spending" for a credit card means you're not obligated to reach a specific spending amount to access benefits, rewards, or promotions. You can earn rewards on your regular purchases without a set minimum requirement. It provides flexibility for earning rewards at your own pace based on your spending habits. Remember to use the card responsibly to avoid interest charges.
Can I earn miles without spending any money?
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Earning miles without spending money is uncommon. While sign-up and referral bonuses, occasional promotions, and bank rewards programs (e.g. card renewal via paying the annual fee instead of waiving it) can provide some miles, the primary way to accumulate substantial miles is through credit card spending and associated rewards. Always review the terms and conditions for eligibility.