Find the Best Miles Credit Card With Sign-Up Bonuses in Singapore 2026
Updated: 31 Dec 2025
Finding the best miles credit card with the best sign-up bonuses can be a game-changer for maximizing your rewards. Banks frequently offer enticing promotions to attract new customers and boost their rewards programs. These bonus promotions may include sign-up bonuses, accelerated miles earn rates on specific spending categories, or limited-time offers for bonus miles redemption. Take advantage of these opportunities to earn extra miles or points, making your travel and everyday spending even more rewarding.
Why Trust SingSaver
Card | Hot Reward Pick | SingSaver Reward | Airmiles Overseas | Airmiles Travel | Airmiles Local | Annual Fee | ||
|---|---|---|---|---|---|---|---|---|
 | HSBC TravelOne Credit Card | S$849 | 2.4 miles / dollar | - | 1.2 miles / dollar | S$196.20 | ||
 | Standard Chartered Journey Credit Card (Annual Fee Paying) | S$600 | 2 miles / dollar | 1.2 miles / dollar | 1.2 miles / dollar | S$196.20 | ||
 | KrisFlyer UOB Credit Card | - | - | 3 miles / dollar | 3 miles / dollar | 3 miles / dollar | S$196.20 | |
 | American Express Singapore Airlines KrisFlyer Ascend Credit Card | - | S$0 | 1.2 miles / dollar | 2 miles / dollar | 1.2 miles / dollar | S$397.85 | |
 | UOB PRVI Miles World MasterCard | S$400 | Up to3 miles / dollar | Up to8 miles / dollar | 1.4 miles / dollar | S$261.60 | ||
 | DBS Vantage Visa Infinite Card | - | - | 2.2 miles / dollar | 6 miles / dollar | 1.5 miles / dollar | S$599.50 | |
 | DBS Altitude Visa Signature Card | S$879 | Up to 2.2 miles / dollar | Up to10 miles / dollar | 1.3 miles / dollar | S$196.20 | ||
 | DBS Altitude American Express Card | S$879 | Up to 2.2 miles / dollar | Up to 2.2 miles / dollar | Up to 1.3 miles / dollar | S$196.20 | ||
 | UOB PRVI Miles American Express Card | S$400 | Up to3 miles / dollar | Up to8 miles / dollar | 1.4 miles / dollar | S$261.60 | ||
 | UOB PRVI Miles Visa Card | S$400 | Up to3 miles / dollar | Up to8 miles / dollar | 1.4 miles / dollar | S$261.60 |
Find the Best Miles Credit Card With Sign-Up Bonuses
Airmiles Overseas
2.4 miles / dollarAirmiles Local
1.2 miles / dollarAnnual Fee
S$ S$
196.20Apply through SingSaver and choose from 12 premium rewards
- 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.
- Unlimited air miles
- Airport lounge
- Travel insurance
- Bonus air miles
- High base minimum annual income requirement of S$65,000 (w.e.f. 1 October 2025) Learn more.
Repayment Details
Minimum Payment: 3 %
Late Payment Charge: S$100
Interest on Purchase: 26.9 %
Interest on Cash Advance: 28 %
Interest Free Period: 20 days
Fees
Annual Fee: S$196.20
Foreign Currency Transaction Fee: 3.25 %
Air Miles Conversion Fee: None
Cash Advance Service Charge: S$15
Eligibility
Monthly Spend Required: S$0
Minimum Annual Income: S$65,000
Minimum Age: 21 years old
Airmiles Overseas
2 miles / dollarAirmiles Travel
1.2 miles / dollarAirmiles Local
1.2 miles / dollarAnnual Fee
S$ S$
196.20Apply through SingSaver and choose from 4 premium rewards
- 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.
- SC Shop and Earn - Book your holidays and earn up to 28.75% Cashback at over 40 travel partners like Agoda, Klook, Trip.com. Unlock one of the highest Cashback as a Priority client. Log on to SC Shop and Earn via SC Mobile to start shopping.
- Get access to exclusive card offers and privileges with The Good Life programme.
- Bonus air miles
- No expiry air miles
- Airport lounge
- Travel insurance
- Transportation, food delivery and online grocery rewards capped at 3,000 miles in a statement cycle.
Repayment Details
Minimum Payment: S$50
Late Payment Charge: S$100
Interest on Purchase: 27.9 %
Interest on Cash Advance: 29.9 %
Interest Free Period: 22 Days
Fees
Annual Fee: S$196.20
Foreign Currency Transaction Fee: 3.5 %
Air Miles Conversion Fee: S$27
Cash Advance Service Charge: S$15
Eligibility
Monthly Spend Required: S$0
Minimum Annual Income: S$30,000
Minimum Age: 21 years old
KrisFlyer UOB Credit Card
rating
2.4/ 5
Airmiles Overseas
3 miles / dollarAirmiles Travel
3 miles / dollarAirmiles Local
3 miles / dollarAnnual Fee
S$ S$
196.20- Earn 3 KrisFlyer miles per S$1 spend on Singapore Airlines, Scoot, KrisShop, Kris+ and Pelago purchases.
- Earn 2.4 KrisFlyer miles per S$1 spend on dining, food delivery, online shopping, online travel and transport spend, with min. S$1,000 annual spend on Singapore Airlines, Scoot and KrisShop
- Earn 1.2 KrisFlyer miles per S$1 on all other spend.
- 5,000 Welcome miles with first eligible spend (min. S$5).
- 10,000 KrisFlyer miles with annual renewal fee payment.
- Exclusive privileges on Scoot (via flyscoot.com/krisflyeruob), Kris+ and more.
- Terms and conditions apply for all abovementioned privileges. Visit here for more details.
- Insured up to S$100k by SDIC.
- KrisFlyer miles
- Unlimited miles
- 1st year annual fee waiver
Repayment Details
Late Payment Charge: S$100
Interest on Purchase: 27.8 %
Interest on Cash Advance: 28.5 %
Interest Free Period: Up to 21 days
Minimum Payment: 3 %
Fees
Annual Fee: S$196.20
Foreign Currency Transaction Fee: 3.25 %
Cash Advance Service Charge: S$15
Air Miles Conversion Fee: No Fee
Eligibility
Monthly Spend Required: None
Minimum Annual Income: S$30,000
Minimum Age: 21 years old
Airmiles Overseas
1.2 miles / dollarAirmiles Travel
2 miles / dollarAirmiles Local
1.2 miles / dollarAnnual Fee
S$ S$
397.85You’ll also receive the following welcome gift(s) directly from the bank
- 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.
- Unlimited air miles
- Travel insurance
- 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.
- Annual Fee required
Repayment Details
Minimum Payment: S$50
Late Payment Charge: S$100
Interest on Purchase: 27.80 %
Interest on Cash Advance: 26.9 %
Interest Free Period: 22 days
Fees
Air Miles Conversion Fee: No Fee
Foreign Currency Transaction Fee: 3.25 %
Cash Advance Service Charge: 5 %
Annual Fee: S$397.85
Eligibility
Monthly Spend Required: -
Minimum Annual Income: Conditional
Minimum Age: 21 years old
UOB PRVI Miles World MasterCard
rating
2.8/ 5
Airmiles Overseas
Up to 3 miles / dollarAirmiles Travel
Up to 8 miles / dollarAirmiles Local
1.4 miles / dollarAnnual Fee
S$ S$
261.60Apply through SingSaver and choose from 2 premium rewards
- 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 annually, exclusive 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
- Bonus air miles
- Unlimited air miles
- Travel insurance
- No monthly spend required
- 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.
Repayment Details
Minimum Payment: 3 %
Late Payment Charge: S$100
Interest on Purchase: 27.8 %
Interest on Cash Advance: 28.5 %
Interest Free Period: 21 days
Fees
Annual Fee: S$261.60
Foreign Currency Transaction Fee: 3.25 %
Air Miles Conversion Fee: S$25
Cash Advance Service Charge: S$15
Eligibility
Monthly Spend Required: -
Minimum Annual Income: S$30,000
Minimum Age: 21 years old
DBS Vantage Visa Infinite Card
rating
1/ 5
Airmiles Overseas
2.2 miles / dollarAirmiles Travel
6 miles / dollarAirmiles Local
1.5 miles / dollarAnnual Fee
S$ S$
599.50- 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.
- Bonus air miles
- Local spending rebate
- Overseas rebate
- Airport lounge
- 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).
Repayment Details
Minimum Payment: 3 %
Late Payment Charge: $100
Interest on Purchase: 27.8 %
Interest on Cash Advance: 28.5 %
Interest Free Period: 25 days
Fees
Annual Fee: S$599.50
Foreign Currency Transaction Fee: 3.25 %
Air Miles Conversion Fee: S$27
Cash Advance Service Charge: S$15
Eligibility
Monthly Spend Required: S$2,000
Minimum Annual Income: S$120,000
Minimum Age: 21 years old
Airmiles Overseas
Up to 2.2 miles / dollarAirmiles Travel
Up to 10 miles / dollarAirmiles Local
1.3 miles / dollarAnnual Fee
S$ S$
196.20Apply through SingSaver and choose from 11 premium rewards
You’ll also receive the following welcome gift(s) directly from the bank
- 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.
- Bonus air miles
- Airport lounge
- No expiry air miles
- Unlimited air miles
- 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).
Repayment Details
Minimum Payment: 3 %
Late Payment Charge: S$100
Interest on Purchase: 27.8 %
Interest on Cash Advance: 28.5 %
Interest Free Period: 25 days
Fees
Annual Fee: S$196.20
Cash Advance Service Charge: S$15
Foreign Currency Transaction Fee: 3.25 %
Air Miles Conversion Fee: S$25
Eligibility
Monthly Spend Required: No Cap
Minimum Annual Income: S$30,000
Minimum Age: 21 years old
DBS Altitude American Express Card
rating
2/ 5
Airmiles Overseas
Up to 2.2 miles / dollarAirmiles Travel
Up to 2.2 miles / dollarAirmiles Local
Up to 1.3 miles / dollarAnnual Fee
S$ S$
196.20Apply through SingSaver and choose from 11 premium rewards
You’ll also receive the following welcome gift(s) directly from the bank
- 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
- Read our full review of the DBS Altitude Card.
- Bonus air miles
- Airport lounge
- No expiry air miles
- Unlimited air miles
- 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).
Repayment Details
Minimum Payment: 3 %
Late Payment Charge: S$100
Interest on Purchase: 27.8 %
Interest on Cash Advance: 28.5 %
Interest Free Period: 25 days
Fees
Annual Fee: S$196.20
Foreign Currency Transaction Fee: 3.25 %
Air Miles Conversion Fee: S$25
Cash Advance Service Charge: S$15
Eligibility
Monthly Spend Required: S$0
Minimum Annual Income: S$30,000
Minimum Age: 21 years old
Airmiles Overseas
Up to 3 miles / dollarAirmiles Travel
Up to 8 miles / dollarAirmiles Local
1.4 miles / dollarAnnual Fee
S$ S$
261.60Apply through SingSaver and choose from 2 premium rewards
- 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 annually, exclusive 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.
- PRVI Miles Amex Exclusive: 20,000 loyalty miles with min. S$50,000 annual spend
- 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
- Bonus air miles
- Unlimited air miles
- Travel insurance
- No monthly spend required
- 2 year points expiry.
- 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.
Repayment Details
Minimum Payment: 3 %
Late Payment Charge: S$100
Interest on Purchase: 27.8 %
Interest on Cash Advance: 28.5 %
Interest Free Period: 21 days
Fees
Annual Fee: S$261.60
Foreign Currency Transaction Fee: 3.25 %
Air Miles Conversion Fee: S$25
Cash Advance Service Charge: S$15
Eligibility
Minimum Annual Income: S$30,000
Minimum Age: 21 years old
UOB PRVI Miles Visa Card
rating
4.1/ 5
Airmiles Overseas
Up to 3 miles / dollarAirmiles Travel
Up to 8 miles / dollarAirmiles Local
1.4 miles / dollarAnnual Fee
S$ S$
261.60Apply through SingSaver and choose from 2 premium rewards
- 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 annually, exclusive 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
- Bonus air miles
- Unlimited air miles
- Travel insurance
- No monthly spend required
- 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.
Repayment Details
Minimum Payment: 3 %
Late Payment Charge: S$100
Interest on Purchase: 27.8 %
Interest on Cash Advance: 28.5 %
Interest Free Period: 21 days
Fees
Annual Fee: S$261.60
Foreign Currency Transaction Fee: 3.25 %
Air Miles Conversion Fee: S$25
Cash Advance Service Charge: S$15
Eligibility
Monthly Spend Required: None
Minimum Annual Income: S$30,000
Minimum Age: 21 years old
What are the types of miles credit card promotions available?
There are several types of miles credit card promotions available, each designed to incentivize new cardholders and encourage higher spending. Some common types of miles credit card promotions include the following:
Miles sign-up bonus
When new cardholders sign up for a miles credit card, a significant number of welcome bonus miles or points are awarded to those who meet a minimum spending requirement within a specified timeframe following card approval. An example of this can look like spending a minimum of S$500 within 2 months of card approval.
Accelerated miles earn rate
Some promotions provide higher earning rates on specific spending categories, such as travel, dining, groceries, or online shopping. Cardholders can earn more miles or points per dollar spent in these categories.
Limited time offers
Banks may introduce limited-time offers where cardholders can earn extra bonus miles or points for a specific period or during a particular season, such as holidays or travel-related events. For instance, the Citi PremierMiles Card and DBS Altitude Card periodically offer boosted miles earned on Agoda, Kaligo, or Expedia bookings.
Referral bonus
Cardholders can earn bonus miles or points by referring friends or family members to apply for the same credit card and get approved.
Partner promotions
Banks may collaborate with partner airlines, hotels, or retailers to offer exclusive promotions where cardholders can earn bonus miles or points on their eligible cards with these partners.
How to know if you are eligible for a miles credit card bonus?
The eligibility requirements to participate in a miles bonus credit card promotion can vary depending on the bank and the specific promotion. However, some common eligibility requirements are as follows below:
New cardholders only
Many miles bonus promotions are targeted at new-to-bank customers applying for a specific bank’s credit card for the first time. Existing cardholders or those who have had the same credit card before are excluded from the bonus.
Minimum spending requirements
Most welcome bonus miles promotions have a minimum spending requirement within a specific timeframe (e.g., spend $3,000 in the first three months). Ensure you can meet this spending threshold before the eligibility period ends.
No prior bonus
If you have received a bonus for the same credit card in the past, you may not be eligible for another bonus.
How to participate in a credit card welcome bonus miles promotion?
To participate in a credit card bonus miles promotion and earn the offered bonus miles, follow these steps below:
Check eligibility
Review the promotion's terms and conditions to ensure you meet all the eligibility requirements, such as being a new cardholder, meeting the minimum age, credit score criteria, annual income requirement, and possessing the relevant documents for sign-up if you’re unable to apply via SingPass.
Meet the spend requirements
After receiving the credit card, start using it to make purchases. Ensure you meet the minimum spending requirement within the specified timeframe to qualify for the bonus miles. Be sure to keep track of the promotion’s timeframe too.
Ensure you’ve applied for the right credit card
Select a credit card that aligns with your spending habits and travel preferences. Look for one that offers a bonus miles promotion that suits your needs.
Monitor miles expiry dates
Take note of any expiry dates associated with the bonus miles or points. Most of them come with an expiry unless stated otherwise (e.g. Citi Miles, DBS Points, 90°N Miles don’t expire). So ensure you redeem the miles for flights, rebates, or other experiences and rewards before they expire.