Best Miles Credit Cards in Singapore: Which Should You Use for…

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Best Miles Credit Cards in Singapore

Do you find yourself taking an envious peak at the Business Class section every time you board your plane? Perhaps you wonder how these lucky people can be willing to spend so much, just for more comfortable seats, privacy, champagne, better food, dedicated service and a fancy lounge?

Well, we have to accept that some people have made it in life, right?

But in all seriousness, many of these passengers may be flying on their company’s expense, or they have accumulated enough miles to upgrade their seats or redeem for seats in Business Class or even First Class.

If travelling for work isn’t a possibility, then we should try to change our credit card strategy to get miles from our day-to-day spending. It takes a bit of work, but it’s definitely possible, as we have written about here.

To accelerate your goal of redeeming for a (long haul) Business Class flight in the near future, you need to play your cards right. You may not earn miles at the best rates if you’re not spending on the “right” purchases. So, let us help you by picking out what are the best miles credit cards for different types of spends.

Here’s a quick summary before we dive into the details:

Best miles credit cards

Best miles credit cards for shopping

With these cards, shopping means putting your money to the best use because the more you shop, the more miles you earn!

Shop, set and go!

OCBC Titanium Rewards Card

OCBC Titanium Rewards Card

Pros of the OCBC Titanium Rewards Card:

  • Earn 4 miles per S$1 spent on shopping online and offline, locally and overseas. Categories for 10X points include:
    • Clothes, bags and shoes
    • Department stores
    • Electronics and gadgets
    • Babies/children’s wear
    • Personal care products.
  • Enjoy 2-year annual fee waiver.

Caps, limitations and things to note with the OCBC Titanium Rewards Card:

  • You can earn a maximum of 120,000 OCBC$ (48,000 air miles) per year.
  • The OCBC$ can only be converted into KrisFlyer miles.
  • Your accumulated OCBC$ are only valid for 2 years.

Citi Rewards Credit Card

Citi Rewards Card

Pros of the Citi Rewards Card:

  • Earn 20X points or 8 miles per S$1 spent on selected merchants such as Amazon, Lazada and Zalora during promotional periods.
  • Earn 10X points or 4 miles per S$1 spent on shopping online and offline, locally and overseas. Categories for 10X points include:
    • Clothes, bags and shoes
    • Department stores
  • Your Rewards Points are valid for 5 years.
  • Enjoy 1-year annual fee waiver.

Caps, limitations and things to note with the Citi Rewards Card:

  • You can earn a maximum of 120,000 Reward Points (48,000 air miles) per year.
  • The Citi Rewards card doesn’t cover as many categories as the OCBC Titanium Rewards Card.

UOB Preferred Platinum Visa Card

UOB Preferred Platinum Card

Pros of the UOB Preferred Platinum Visa Card:

  • Earn 4 miles per S$1 spent on online shopping (local and overseas) and entertainment purchases at fave (by Groupon), Qoo10, Reebonz, Cathay Cineplexes and Shopback.
  • Earn 4 miles per S$1 spent on contactless transactions.
  • Enjoy 1-year annual fee waiver.
  • Same-day card delivery option is available.

Caps, limitations and things to note with the UOB Preferred Platinum Visa Card:

  • You can earn a maximum of 4,000 miles per calendar month. After reaching this limit, you will earn 0.4 miles per S$1 spent.
  • You can earn a maximum of 48,000 miles per calendar year.

Read also: Best Credit Cards for Online Shopping

Best miles credit cards for general spends and travel bookings

We can’t all be shopping for shoes and bags all the time, right? There are times when you want to go for a haircut, buy a something from The Body Shop, or buy treats for your dog from Pet Safari. These fall under general spend, be it locally or overseas. Cards that give you miles for general spend also sometimes give you good value for travel bookings. So here’s a list of our top picks.

UOB PRVI Miles Visa Card

UOB PRVI Miles Card

Pros of the UOB PRVI Miles Visa Card:

  • Earn 10 miles per S$1 spent on Kaligo, 6 miles per S$1 spent on Expedia, Agoda and UOB Travel during the promotional period.
  • Get 2.4 miles per S$1 on overseas transactions charged in foreign currency.
  • Earn 1.4 miles per S$1 on local transactions.
  • No minimum spend requirement to earn miles and no cap on how much you can earn.
  • Redeem miles from over 40 airlines.
  • Enjoy 1-year annual fee waiver.

Caps, limitations and things to note with the UOB PRVI Card:

  • You need to have a minimum annual income of S$80,000 or a fixed deposit collateral of at least S$30,000.
  • UNI$ are awarded in blocks of S$5 transactions, and will be awarded in the form of UNI$ at the rate of UNI$1 = 2 air miles.
  • UNI$ are valid for 2 years.

Citi PremierMiles Visa Card

Citi PremierMiles Card

Pros of the Citi PremierMiles Visa Card:

  • Earn 10 miles per S$1 spent on Kaligo, 6 miles per S$1 spent on Agoda, and 3 miles per S$1 spent on Expedia during promotional period
  • Get 2 Citi Miles per S$1 spent in foreign currencies.
  • Earn 1.2 Citi Miles per S$1 spent locally.
  • Receive 10,000 bonus miles upon renewing your annual membership.
  • Your Citi Miles will never expire.
  • 1 Citi Mile = 1 mile on Frequent Flyer Programmes that include:
    • KrisFlyer miles, Asia miles, Qantas, Etihad Guest, Executive Club, Royal Orchid Plus, Flying Blue, Qatar, Garuda Frequent Flyer, Infinity MileageLands
  • Convert miles to Hotel Loyalty Programmes in the following ways:
    • 1 Citi Mile = 1.5 Hilton HHonors points
    • 1 Citi Mile = 1 HG Rewards Club point

Caps, limitations and things to note with the Citi PremierMiles Card:

  • The minimum annual income requirement is S$50,000.

DBS Altitude Visa Signature Card

DBS Altitude Card

Pros of the DBS Altitude Visa Signature Card:

  • Earn 10 miles per S$1 spent on Kaligo and 6 miles per S$1 spent on Expedia.
  • Earn 3 miles per S$1 on online flight and hotel bookings
  • Get 2 miles per S$1 spent overseas in foreign currencies.
  • Earn 1.2 miles per S$1 spent locally.
  • Get 10,000 bonus miles upon renewing your membership every year or spend a minimum of S$25,000 per year and receive an annual fee waiver (S$192.60).
  • Your DBS Points will never expire.
  • Enjoy 1-year annual fee waiver.

Caps, limitations and things to note with the DBS Altitude Card:

  • Accelerated miles on Kaligo and Expedia are capped at S$5,000 spend per month.
  • 3 miles per S$1 spent has a cap of S$5,000 spend per month.
  • Miles will be awarded in the form of DBS Points at the rate of 1 DBS Point = 2 miles, in blocks of 3 DBS Points for every S$5 spent, but prorated for each DBS point. (i.e. you must spend in blocks of S$1.67 to get 1 DBS point)
  • DBS points can only be converted to miles from Singapore Airlines KrisFlyer and Asia Miles or Air Asia’s Big points.

American Express Singapore Airlines KrisFlyer Ascend Credit Card

American Express Singapore Airlines KrisFlyer Ascend Card

Pros of the American Express Singapore Airlines KrisFlyer Ascend Card:

  • Earn 2 KrisFlyer miles per S$1 spent overseas in foreign currency during June and December.
  • Get 2 KrisFlyer miles per S$1 spent on eligible transactions on SingaporeAir App, singaporeair.com, KrisShop, SilkAir SkyShop and silkair.com including online and in-flight transactions.
  • Earn 1.2 KrisFlyer miles per S$1 spent on all other transactions.
  • No caps and miles are awarded from the first dollar spent.
  • Direct crediting of your KrisFlyer miles into your KrisFlyer account.
  • No conversion fee needed (usually S$25 on other cards).

Caps, limitations and things to note with the AMEX Singapore Airlines KrisFlyer Ascend Card:

  • You can only earn KrisFlyer Miles, which can be redeemed on Singapore Airlines, SilkAir and Star Alliance partners.
  • KrisFlyer miles on the Double KrisFlyer Miles Accrual Voucher is capped at 5,000 KrisFlyer miles.
  • KrisFlyer miles are only valid for 3 years.

Additional Reading: Where Can You Go With Your KrisFlyer Miles?

DBS Woman’s World MasterCard

DBs Woman's World MasterCard

Pros of the DBS Woman’s World MasterCard:

  • Earn 4 miles per S$1 spent (20 miles or 10X DBS Points per S$5 spent) on online transactions including online travel bookings.
  • Get 1.2 miles per S$1 spent (6 miles or 3X DBS Points per S$5 spent) on overseas transactions.
  • Enjoy 1-year annual fee waiver.

Caps, limitations and things to note with the DBS Woman’s World MasterCard:

  • All bonus miles are capped at S$2,000 in the calendar month.
  • DBS points can only be converted to miles from Singapore Airlines KrisFlyer and Asia Miles or Air Asia’s Big points.

Best miles credit cards for dining

Do most of your travel plans crop up when you’re out dining with family and friends? Just had a taste of Pho and now you’re planning a trip to Vietnam? Well, how about cards that offer miles on dining, so you can eat, plan and jet off on your miles?

Maybank Horizon Visa Signature Card

Maybank Horizon Visa Signature Card

Pros of the Maybank Horizon Visa Signature Card:

  • Earn 3.2 air miles (8X TREATS Points) per S$1 spent in Singapore dollars on dining, taxi fares, petrol and hotel bookings made on Agoda
  • Earn 2 air miles (8X TREATS Points) per S$1 spent on travel packages, flight tickets and foreign currency transactions.

Caps, limitations and things to note with the Maybank Horizon Card:

  • Under the TREATS Points Programme, you will be awarded 1 TREATS Point (0.4 miles) per S$1 spent and the bonus (2.8 miles or 1.6 miles) after meeting the minimum spend requirement of S$300 per month.
  • You can earn a maximum of 12,000 air miles per calendar month.
  • Extra miles for dining, taxi, petrol and hotel bookings on Agoda are only applicable for spends in Singapore dollars.

HSBC Revolution Card

HSBC Revolution Credit Card

Pros of the HSBC Revolution Card:

  • Earn 5X points (2 miiles per S$1 spent) on local dining, local entertainment and online transactions.
  • No caps or minimum spends required to earn miles.
  • Enjoy 2-year annual fee waiver.

Caps, limitations and things to note with the HSBC Revolution Card:

  • Reward points can only be converted to miles from Singapore Airlines KrisFlyer and Asia Miles programmes.

Best miles credit cards for overseas spends

Who can say ‘vacation’ without following it with ‘shopping’? Even if you’re not generally a shopper, what about all the souvenirs you need to bring back home? The part where we all get stingy is now the part to loosen the purse strings because spend more and earn more is the new way of overseas spending life.

Standard Chartered Visa Infinite Credit Card

standard chartered visa infinite card

Pros of the SC Visa Infinite Card:

  • Earn 3 miles per S$1 spent overseas.
  • Earn 1.4 miles per S$1 spent locally.

Caps, limitations and things to note with the Standard Chartered Visa Infinite Card:

  • You need to spend a minimum of S$2,000 per month to earn 3 miles on overseas transactions and 1.4 miles on local transactions. Otherwise, you will earn 1 mile per S$1 spent.
  • No annual fee waiver.

UOB Visa Signature Credit Card

UOB visa infinite card

Pros of the UOB Visa Signature Card:

  • Earn 4 miles per S$1 spent on overseas transactions (online/offline), petrol and Visa payWave transactions. (10X UNI$ per S$5 spent, so UNI$2 per S$1 spent and the conversion rate is UNI$1 = 2 miles).
  • Enjoy 1-year annual fee waiver.

Caps, limitations and things to note with the UOB Visa Signature Credit Card:

  • To earn 4 miles per S$1 spent on overseas transactions, you need to spend a minimum of S$1,000 in foreign currency per statement cycle.
  • Transactions made overseas in Singapore dollars will not qualify to earn 4 air miles. Such transactions will earn 2 air miles per S$5 spent.
  • To earn accelerated miles on all other transactions (petrol and Visa payWave transactions), you need to spend a minimum of S$1,000 per statement cycle.
  • You can earn a maximum of 8,000 air miles (UNI$4,000) through spends in foreign currency, petrol and Visa payWave transactions per statement cycle.

Best miles credit cards for online purchases

Online purchases are no longer just limited to shopping of clothes, bags and shoes. These days, it extends to food deliveries, paying for yoga classes, buying books online, or shopping for groceries. You need a card that gives you miles for online transactions, not just online shopping. Here’s our credit card picks to get the most out of your online spends.

DBS Woman’s World MasterCard

DBs Woman's World MasterCard

Pros of the DBS Woman’s World MasterCard:

  • Earn 4 miles per S$1 spent (20 miles or 10X DBS Points per S$5 spent) on online transactions
  • Overseas transactions will earn you 1.2 miles per S$1 spent (6 miles or 3X DBS Points per S$5 spent).
  • Enjoy 1-year annual fee waiver.

Caps, limitations and things to note with the DBS Woman’s World MasterCard:

  • All bonus miles are capped at S$2,000 in the calendar month.
  • You can only convert DBS points to miles from Singapore Airlines KrisFlyer and Asia Miles or Air Asia’s Big points.

HSBC Revolution Card

HSBC Revolution Credit Card

Pros of the HSBC Revolution Card:

  • Earn 5X points (2 miles per S$1 spent) on local dining, local entertainment and online transactions.
  • No caps or minimum spends required to earn miles.
  • Enjoy 2-year annual fee waiver.

Caps, limitations and things to note with the HSBC Revolution Card:

You can only convert reward points to miles from Singapore Airlines KrisFlyer and Asia Miles programmes.

If you’re wondering how much these air miles credit cards will cost you, here’s a glimpse:

Credit Card Annual fees
OCBC Titanium Rewards Card S$192.60 (Third year onwards)
Citi Rewards Credit Card S$192.60 (Second year onwards)
Citi Premier Miles Visa Card S$192.60
DBS Altitude Visa Signature Card S$192.60 (Second year onwards)
DBS Woman’s World Card S$192.60 (Second year onwards)
American Express Singapore Airlines KrisFlyer Ascend Credit Card S$337.05
Maybank Horizon Visa Signature Card S$180
Standard Chartered Visa Infinite Credit Card S$588.50
UOB PRIVI Miles Visa Card S$256.80 (Second year onwards)
UOB Visa Signature Credit Card S$214 (Second year onwards)
UOB Preferred Platinum Visa Card S$192.60 (Second year onwards)
HSBC Revolution Card S$160.50 (Third year onwards)

Did we miss out any credit cards that are great for miles? Which other categories should we add here? We’d love to keep updating this article, so please let us know if you have suggestions!

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