How does a credit card work?

A credit card functions as a form of borrowing, enabling you to access funds up to a predetermined credit limit. The amount you charge to the card is referred to as the outstanding or unpaid balance, representing your debt.To settle your dues, you have several options: you can clear the entire outstanding balance each month, make a partial payment, or opt for the minimum sum. It's essential to note that a high-interest charge, typically ranging from 25% to 29% per annum, is levied on the remaining balance and any new transactions made on the card.

Can I Get An Annual Fee Waiver for My Credit Card?

To get an annual fee waiver for your credit card in Singapore, maintain a good credit history and promptly pay your bills. Contact your bank's customer service to request a waiver and politely negotiate. You can also emphasise your card usage and loyalty as a customer. Each bank's policies may vary, so direct communication with your issuer is essential to understand specific requirements and processes. Do note that it is up to the bank’s discretion on whether they will waive your annual fee.

What is a Credit Score?

A credit score is a numerical representation of an individual's creditworthiness. It is calculated based on their credit history, payment behaviour, outstanding debts, and credit utilisation.The score typically ranges from 1000 to 2000, with higher scores indicating lower credit risk. Lenders, such as banks and credit card companies, use credit scores to assess the likelihood of a borrower repaying debts responsibly. A higher credit score increases the chances of obtaining loans, credit cards, and favourable interest rates, while a lower score may lead to loan rejections or higher interest rates due to perceived higher risk. Monitoring and maintaining a good credit score is crucial for financial opportunities and access to credit facilities in Singapore.

How do I Check My Credit Score?

To check your credit score in Singapore, you can request a credit report from the Credit Bureau Singapore (CBS). CBS is the primary credit reference agency in Singapore. To obtain your report, you can visit the CBS website and follow the instructions to request your credit score. Alternatively, you can also purchase additional credit reports if needed. Reviewing your credit score allows you to assess your creditworthiness and identify any discrepancies or areas for improvement in your credit history.

Can I Increase My Credit Limit?

To increase your credit limit in Singapore, follow these steps. Firstly, maintain a positive credit history by making timely payments and keeping your outstanding balances low. Avoid defaulting on any loans or credit card payments. Secondly, regularly review your credit card bill to ensure accuracy and dispute any errors if found. Thirdly, demonstrate responsible credit usage by judiciously using your existing credit card and avoiding maxing out your limit. Fourthly, contact your credit card issuer and request a credit limit increase, providing reasons such as increased income or improved creditworthiness. Lastly, be patient and allow your credit card issuer time to assess your request before they grant an increase, which may take several weeks or months.

What’s the difference between a credit card and a debit card?

The main difference between a credit card and a debit card lies in their source of funds. A credit card allows users to borrow money up to a predetermined credit limit set by the card issuer. When a purchase is made with a credit card, the cardholder accumulates debt that needs to be repaid later, usually on a monthly basis, along with any accrued interest charges if the balance is not paid in full.On the other hand, a debit card is linked directly to the cardholder's bank account. When a purchase is made using a debit card, the funds are immediately deducted from the account, and no debt is incurred. This means that a debit card only allows spending within the available balance in the linked account. Unlike a credit card, there is no need to repay borrowed money or accumulate interest charges with a debit card.

What’s the difference between miles, cashback and rewards points

Miles, cashback, and rewards points are different types of credit card incentives. Miles are typically associated with travel credit cards, where cardholders earn points based on their spending, which can be redeemed for airline tickets or hotel stays.Cashback, as the name suggests, provides a percentage of the cardholder's spending back in cash, directly reducing the overall bill. Rewards points are a more versatile option, allowing cardholders to accumulate points with each purchase, which can be redeemed for various items, including merchandise, gift cards, or even travel bookings. The key distinction lies in their redemption options: miles are travel-specific, cashback provides immediate cash benefits, and rewards points offer a broader range of redemption choices. Cardholders often choose the incentive that aligns with their spending habits and preferences.

No Minimum Spend Required All Air Miles Cards Annual Fee Waiver No Expiry On Miles Go to: Promo - Bonus Miles Go to: Overseas

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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.

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No Minimum Spend Required All Air Miles Cards Annual Fee Waiver No Expiry On Miles Go to: Promo - Bonus Miles Go to: Overseas

UOB Lady's Card

Airmiles Local

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.

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

info

First Year Waived

Offer Available

Welcome Offer

Exquisite dining experience for two at Michelin-starred restaurants (worth S$900)

Valid until

30 June 2024

Things to consider for this product:

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Local spending rebate

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Installment

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No monthly spend required

remove

Rebate cap applied

UOB Lady's Solitaire Card

Airmiles Local

6 miles per dollar

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Get up to 6 miles per dollar on up to 2 rewards categories out of 7; get 0.4 miles per dollar on all other spend.

Airmiles Overseas

6 miles per dollar

info

Bonus UNI$ capped at 8,400 UNI$ (equivalent to S$3,000 spend) per month.

Annual Fee

S$ 414.2

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First Year Waived

Things to consider for this product:

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Local spending rebate

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Installment

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No monthly spend required

remove

Rebate cap applied

Citi Rewards Card

Airmiles Local

4 miles per dollar

info

On eligible spend only.

Airmiles Overseas

0.4 miles per dollar

Annual Fee

S$ 196.2

info

First Year Waived

2 Offers Available

Rewards Upgrade Campaign

Receive premium rewards worth up to S$2,128

+ 3 other gift options

Valid until

02 June 2024

Best Deal Guarantee

Dyson Supersonic™ hair dryer (worth S$699)

Valid until

15 May 2024

Best Deal Guarantee

Apple iPad 9th Gen 10.2" WiFi 64GB (worth S$508.30)

Valid until

15 May 2024

Best Deal Guarantee

Dyson V8 Slim Fluffy (worth S$509)

Valid until

15 May 2024

Best Deal Guarantee

S$400 eCapitaVoucher

Valid until

15 May 2024

Best Deal Guarantee

S$300 cash via PayNow

Valid until

15 May 2024

Things to consider for this product:

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Bonus air miles

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Travel insurance

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Annual Fee waiver

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High-value gift

10X rewards points (4 miles per S$1) on online spending except travel and mobile wallet-related transactions.
Online category includes online shopping, taxi/ride-hailing apps, food delivery, online groceries and more.
Pair with amaze card to turn offline transactions into online transactions.
10X rewards points (4 miles per S$1) on offline fashion shopping and department stores.
Use Citi PayAll to earn Citi Miles, Citi ThankYou PointsSM or Cash Back when you pay your bills with your Citi Credit Card.
1X reward point for every S$1 on all other spending.
No min. spend required.
Rewards points conversion rates: 4,400 points = S$10 cash rebate, 25,000 points = 10,000 miles.
Rewards are rounded up to the nearest 10 points on all purchases.
Sign Up Bonus of 40,000 Citi ThankYou Points.
Read our full review of the Citi Rewards Card.
10X rewards are capped at 10,000 points per statement month i.e. S$1,000 spent.
10X rewards excludes travel purchases online and non-fashion purchases offline.

Gift Options

Receive premium rewards worth up to S$2,128; or
Apple Macbook Air 256GB 13 inch (M3 chip) (worth S$1,599); or
Apple iPhone 15 Pro 128GB (worth S$1,664.25); or
Samsung Galaxy S24 Ultra Titanium Gray 12+512GB (worth S$2,128)

Gift Options

Dyson Supersonic™ hair dryer (worth S$699); or
Apple iPad 9th Gen 10.2" WiFi 64GB (worth S$508.30); or
Dyson V8 Slim Fluffy (worth S$509); or
S$400 eCapitaVoucher; or
S$300 cash via PayNow

DBS Woman's World Card

Airmiles Local

4 miles per dollar

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10X DBS Points per S$5

Airmiles Overseas

4 miles per dollar

info

10X DBS Points per S$5 on online transactions; otherwise 1.2 miles per dollar. (or 3X DBS Points).

Annual Fee

S$ 196.2

info

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

UOB Preferred Platinum Visa Card

Airmiles Local

Up to 4 miles per dollar

info

On entertainment, online shopping, and mobile contactless payment(Apple Pay, Google Pay, Fitbit Pay, Samsung Pay, UOB Mighty.

Airmiles Overseas

4 miles per dollar

info

On entertainment, online shopping, and mobile contactless payment(Apple Pay, Google Pay, Fitbit Pay, Samsung Pay, UOB Mighty.

Annual Fee

S$ 196.2

info

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

DBS Woman's Card

Airmiles Local

Up to 2 miles per dollar

info

5X DBS Points per S$5

Airmiles Overseas

0.4 miles per dollar

info

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

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Rebate cap applied

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

info

Per S$1

Annual Fee

S$ 304.59

info

Non-waivable

2 Offers Available

Welcome Offer

68,000 HighFlyer points (worth S$647)

Valid until

29 May 2024

Welcome Offer

Samsonite Choca Spinner 68/25 (worth S$700) and 10,800 HighFlyer points

Valid until

29 May 2024

Things to consider for this product:

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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

DBS Vantage Visa Infinite Card

Airmiles Local

1.5 miles per dollar

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S$1 local spend = 1.5 miles

Airmiles Overseas

2.2 miles per dollar

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S$1 overseas spend = 2.2 miles

Annual Fee

S$ 599.5

info

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

31 May 2024

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).

UOB PRVI Miles American Express Card

Airmiles Local

1.4 miles per dollar

Airmiles Overseas

2.4 miles per dollar

Annual Fee

S$ 261.6

info

First Year Waived

2 Offers Available

Welcome Offer

50,000 miles upon SMS registration and fulfilling spend requirement

Valid until

31 May 2024

Welcome Offer

30,000 miles plus first-year annual fee waiver

Valid until

31 May 2024

Things to consider for this product:

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Bonus air miles

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Unlimited air miles

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Travel insurance

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No monthly spend required

Earn 8% cashback on dining, etc.
6 miles per S$1 spend (UNI$15 per S$5 spend) on major airlines and hotels through Expedia, agoda and UOB Travel.
1.4 miles per S$1 on local spend (UNI$3.5 per S$5 spend).
2.4 miles per S$1 on overseas spend (UNI$6 per S$5 spend), including online shopping and overseas websites.
Choice to redeem for miles, cashback, or vouchers.
Complimentary personal accident coverage and emergency medical assistance of up to S$500,000.
Get 20,000 loyalty miles with a minimum spend of S$50,000 in a year.
Complimentary airport transfers to Changi Airport.
1.4 mpd on SimplyGo and public transport rides for UOB PRVI Mastercard and Visa only.
No airport lounge access.
2 year points expiry.

UOB PRVI Miles Visa Card

Airmiles Local

1.4 miles per dollar

Airmiles Overseas

2.4 miles per dollar

Annual Fee

S$ 261.6

info

First Year Waived

2 Offers Available

Welcome Offer

50,000 miles upon SMS registration and fulfilling spend requirement

Valid until

31 May 2024

Welcome Offer

30,000 miles plus first-year annual fee waiver

Valid until

31 May 2024

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

UOB PRVI Miles World MasterCard

Airmiles Local

1.4 miles per dollar

Airmiles Overseas

2.4 miles per dollar

Annual Fee

S$ 261.6

info

First Year Waived

2 Offers Available

Welcome Offer

50,000 miles upon SMS registration and fulfilling spend requirement

Valid until

31 May 2024

Welcome Offer

30,000 miles plus first-year annual fee waiver

Valid until

31 May 2024

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

DBS Altitude Visa Signature Card

Airmiles Local

1.3 miles per dollar

Airmiles Overseas

2.2 miles per dollar

Annual Fee

S$ 196.2

info

First Year Waived

2 Offers Available

Welcome Offer

Up to 53,000 miles

Valid until

31 May 2024

Welcome Offer

Up to 43,000 miles plus first-year annual fee waiver

Valid until

31 May 2024

Things to consider for this product:

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Bonus air miles

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Airport lounge

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No expiry air miles

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Unlimited air miles

DBS Altitude American Express Card

Airmiles Local

1.3 miles per dollar

Airmiles Overseas

2.2 miles per dollar

Annual Fee

S$ 196.2

info

First Year Waived

2 Offers Available

Welcome Offer

Up to 60,000 miles

Valid until

31 May 2024

Welcome Offer

Up to 50,000 miles plus first-year annual fee waiver

Valid until

31 May 2024

Things to consider for this product:

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Bonus air miles

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Airport lounge

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No expiry air miles

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Unlimited air miles

OCBC 90°N Visa Card

Airmiles Local

1.3 miles per dollar

Airmiles Overseas

2.1 miles per dollar

Annual Fee

S$ 196.2

info

First Year Fee automatically waived. Min. spend of S$10,000 per year for waiver of annual fee for subsequent years.

Things to consider for this product:

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Unlimited air miles

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No expiry air miles

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Bonus air miles

check

Gift: Apple product

OCBC 90°N Mastercard

Airmiles Local

1.3 miles per dollar

Airmiles Overseas

2.1 miles per dollar

info

Get up to

Annual Fee

S$ 196.2

info

First Year Fee automatically waived. Min. spend of S$10,000 per year for waiver of annual fee for subsequent years.

Things to consider for this product:

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No expiry air miles

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Unlimited air miles

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Gift: Apple product

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No monthly spend required

HSBC Visa Infinite Credit Card

Airmiles Local

Up to 1.25 miles per dollar

info

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

info

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

info

S$497.06 for HSBC Premier customers

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

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.

American Express Singapore Airlines KrisFlyer Ascend Credit Card

Airmiles Local

1.2 miles per dollar

Airmiles Overseas

2 miles per dollar

info

In June and December.

Annual Fee

S$ 343.35

2 Offers Available

Welcome Offer

Up to 34,000 KrisFlyer miles

Valid until

29 May 2024

Welcome Offer

Receive up to 17,000 KrisFlyer miles and up to S$300 eCapitaVouchers

Valid until

29 May 2024

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

remove

Annual Fee required

Gift Options

Up to 34,000 KrisFlyer miles

Gift Options

Receive up to 17,000 KrisFlyer miles and up to S$300 eCapitaVouchers

Citi PremierMiles Card

Airmiles Local

1.2 miles per dollar

Airmiles Overseas

2 miles per dollar

Annual Fee

S$ 196.2

info

First Year Waived

2 Offers Available

Rewards Upgrade Campaign

Receive premium rewards worth up to S$2,128

+ 3 other gift options

Valid until

02 June 2024

Best Deal Guarantee

Dyson Supersonic™ hair dryer (worth S$699)

Valid until

07 May 2024

Best Deal Guarantee

Apple iPad 10th Gen WiFi 64GB (worth S$691.60)

Valid until

07 May 2024

Best Deal Guarantee

S$400 eCapitaVoucher

Valid until

07 May 2024

Best Deal Guarantee

S$300 cash via PayNow

Valid until

07 May 2024

Things to consider for this product:

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No expiry air miles

check

Airport lounge

check

Travel rebate

check

Gift: Apple product

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.
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 over 1300 Priority Pass lounges worldwide.
Up to S$1 million travel insurance coverage when you charge your travel tickets to this card.
11 different airline and hotel transfer partners.
Complimentary travel insurance with solid coverage.
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.

Gift Options

Receive premium rewards worth up to S$2,128; or
Apple Macbook Air 256GB 13 inch (M3 chip) (worth S$1,599); or
Apple iPhone 15 Pro 128GB (worth S$1,664.25); or
Samsung Galaxy S24 Ultra Titanium Gray 12+512GB (worth S$2,128)

Gift Options

Dyson Supersonic™ hair dryer (worth S$699); or
Apple iPad 10th Gen WiFi 64GB (worth S$691.60); or
S$400 eCapitaVoucher; or
S$300 cash via PayNow

HSBC TravelOne Credit Card

Airmiles Local

1.2 miles per dollar

Airmiles Overseas

2.4 miles per dollar

Annual Fee

S$ 196.2

3 Offers Available

Rewards Upgrade Campaign

Receive premium rewards worth up to S$1,664.25

+ 4 other gift options

Valid until

02 June 2024

Best Deal Guarantee

Dyson AM07 Tower Fan (worth S$459)

Valid until

02 June 2024

Best Deal Guarantee

Xiaomi Robot Vacuum S10 (worth S$349)

Valid until

02 June 2024

Best Deal Guarantee

S$250 eCapitaVoucher

Valid until

02 June 2024

Best Deal Guarantee

15,000 Max Miles (worth a free flight to Tokyo, Japan)

Valid until

02 June 2024

Things to consider for this product:

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Unlimited air miles

check

Airport lounge

check

Travel insurance

check

Bonus air miles

Gift Options

Receive premium rewards worth up to S$1,664.25; or
Xiaomi Robot Vacuum X20 (worth S$699); or
Sony HT-AX7 Portable Theatre System (worth S$769); or
Apple Macbook Air 256GB 13 inch (M3 chip) (worth S$1,599); or
Apple iPhone 15 Pro 128GB (worth S$1,664.25)

Gift Options

Dyson AM07 Tower Fan (worth S$459); or
Xiaomi Robot Vacuum S10 (worth S$349); or
S$250 eCapitaVoucher

Gift Options

15,000 Max Miles (worth a free flight to Tokyo, Japan)

Standard Chartered Journey Credit Card

Airmiles Local

1.2 miles per dollar

Airmiles Overseas

2 miles per dollar

Annual Fee

S$ 196.2

info

First Year Waived (Optional)

2 Offers Available

Best Deal Guarantee

Dyson AM07 Tower Fan (worth S$459)

Valid until

12 May 2024

Best Deal Guarantee

Apple AirPods 3rd Gen with MagSafe charging case (worth S$274)

Valid until

12 May 2024

Best Deal Guarantee

Up to S$160

Valid until

12 May 2024

Welcome Offer

Up to 45,000 miles

Valid until

30 June 2024

Things to consider for this product:

check

Bonus air miles

check

No expiry air miles

check

Airport lounge

check

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.

Gift Options

Dyson AM07 Tower Fan (worth S$459); or
Apple AirPods 3rd Gen with MagSafe charging case (worth S$274); or
Up to S$160

Gift Options

Up to 45,000 miles

Citi PremierMiles Card + Citi Wealth First Account Bundle

Airmiles Local

1.2 miles per dollar

Airmiles Overseas

2 miles per dollar

Annual Fee

S$ 196.2

info

First Year Waived

2 Offers Available

Best Deal Guarantee

Dyson Supersonic™ hair dryer (worth S$699) + S$100 eCapitaVoucher

Valid until

31 May 2024

Best Deal Guarantee

Apple iPad 10th Gen WiFi 64GB (worth S$691.60) + S$100 eCapitaVoucher

Valid until

31 May 2024

Best Deal Guarantee

S$400 + S$100 eCapitaVoucher

Valid until

31 May 2024

Best Deal Guarantee

S$300 cash via PayNow + S$100 eCapitaVoucher

Valid until

31 May 2024

Welcome Offer

Up to S$2,460 cash rewards

Valid until

31 May 2024

Things to consider for this product:

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Seamless application

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Increased rewards

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
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.
One seamless journey for both products
More rewards when you apply for both products as a bundle
Admin fee of S$25 (excluding GST) for each conversion of Citi Miles to frequent flyer miles.
Service fee applies to Citi PayAll facility.

Gift Options

Dyson Supersonic™ hair dryer (worth S$699) + S$100 eCapitaVoucher; or
Apple iPad 10th Gen WiFi 64GB (worth S$691.60) + S$100 eCapitaVoucher; or
S$400 + S$100 eCapitaVoucher; or
S$300 cash via PayNow + S$100 eCapitaVoucher

Gift Options

Up to S$2,460 cash rewards

American Express Singapore Airlines KrisFlyer Credit Card

Airmiles Local

1.1 miles per dollar

Airmiles Overseas

2 miles per dollar

info

In June and December.

Annual Fee

S$ 174.4

info

First Year Waived

Offer Available

Welcome Offer

Receive up to 17,000 KrisFlyer miles

Valid until

29 May 2024

Things to consider for this product:

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No monthly spend required

check

Retail discount

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Annual Fee required

HSBC Revolution Credit Card

Airmiles Local

0.4 miles per dollar

info

On all other transactions

Airmiles Overseas

0.4 miles per dollar

info

On all other transactions.

Annual Fee

No Annual Fee

3 Offers Available

Rewards Upgrade Campaign

Receive premium rewards worth up to S$1,664.25

+ 4 other gift options

Valid until

02 June 2024

Best Deal Guarantee

Dyson AM07 Tower Fan (worth S$459)

Valid until

02 June 2024

Best Deal Guarantee

Xiaomi Robot Vacuum S10 (worth S$349)

Valid until

02 June 2024

Best Deal Guarantee

S$250 eCapitaVoucher

Valid until

02 June 2024

Best Deal Guarantee

15,000 Max Miles (worth a free flight to Tokyo, Japan)

Valid until

02 June 2024

Things to consider for this product:

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Mobile contactless rebate

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Online shopping rebate

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Travel rebate

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No Annual Fee

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.
Read our full 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 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).

Gift Options

Receive premium rewards worth up to S$1,664.25; or
Xiaomi Robot Vacuum X20 (worth S$699); or
Sony HT-AX7 Portable Theatre System (worth S$769); or
Apple Macbook Air 256GB 13 inch (M3 chip) (worth S$1,599); or
Apple iPhone 15 Pro 128GB (worth S$1,664.25)

Gift Options

Dyson AM07 Tower Fan (worth S$459); or
Xiaomi Robot Vacuum S10 (worth S$349); or
S$250 eCapitaVoucher

Gift Options

15,000 Max Miles (worth a free flight to Tokyo, Japan)

Maybank World MasterCard

Airmiles Local

0.4 miles per dollar

Airmiles Overseas

0.4 miles per dollar

Annual Fee

S$ 261.6

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First Year Waived

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Dining rebate

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Retail rebate

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Petrol rebate

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Airport lounge

Standard Chartered Rewards+ Credit Card

Airmiles Local

0.29 miles per dollar

Airmiles Overseas

2.9 miles per dollar

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Overseas retail, dining and travel.

Annual Fee

S$ 196.2

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First Year Waived

Offer Available

Best Deal Guarantee

Apple iPad 9th Gen 10.2" WiFi 64GB (worth S$508.30)

Valid until

12 May 2024

Best Deal Guarantee

Nintendo Switch (Generation 2) (worth S$399)

Valid until

12 May 2024

Best Deal Guarantee

Apple AirPods Pro 2nd Gen (worth S$365.70)

Valid until

12 May 2024

Best Deal Guarantee

Up to S$340

Valid until

12 May 2024

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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

UOB Metro-UOB Card

Annual Fee

S$ 196.2

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First Year Waived

Things to consider for this product:

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Retail rebate

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Dining savings

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No monthly spend required

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No rebate cap

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.

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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:

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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:

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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:

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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.

Best Miles Credit Cards With No Minimum Spend in Singapore 2024

UOB Lady's Card

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UOB Lady's Solitaire Card

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Citi Rewards Card

2 Offers Available

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DBS Woman's World Card

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UOB Preferred Platinum Visa Card

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DBS Woman's Card

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American Express Singapore Airlines Business Credit Card

2 Offers Available

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DBS Vantage Visa Infinite Card

Offer Available

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UOB PRVI Miles American Express Card

2 Offers Available

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UOB PRVI Miles Visa Card

2 Offers Available

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UOB PRVI Miles World MasterCard

2 Offers Available

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DBS Altitude Visa Signature Card

2 Offers Available

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DBS Altitude American Express Card

2 Offers Available

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OCBC 90°N Visa Card

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OCBC 90°N Mastercard

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HSBC Visa Infinite Credit Card

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American Express Singapore Airlines KrisFlyer Ascend Credit Card

2 Offers Available

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Citi PremierMiles Card

2 Offers Available

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HSBC TravelOne Credit Card

3 Offers Available

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Standard Chartered Journey Credit Card

2 Offers Available

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Citi PremierMiles Card + Citi Wealth First Account Bundle

2 Offers Available

Things to consider for this product:

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American Express Singapore Airlines KrisFlyer Credit Card

Offer Available