Guide to the Best Miles Credit Cards in Singapore + When to Use Which Cards

Google+ Pinterest LinkedIn Tumblr +

To accelerate your goal of redeeming for a (long haul) Business Class flight in the near future, you need to play your miles credit cards right. You may not earn miles at the best rates if you’re not spending on the “right” purchases. Changing your credit card strategy to get more miles from your day-to-day spending take a bit of work, but it’s definitely possible, as we have written about here.

So, let us help you by picking out what are the best miles credit cards in Singapore for different types of spends.


Categories we’re covering in this blog post:

  1. Best miles credit cards for shopping
  2. Best miles credit cards for general spends and travel bookings
  3. Best miles credit cards for dining
  4. Best miles credit cards for overseas spends
  5. Best miles credit cards for online purchases

A quick summary before we dive into the details:

Best miles credit card for Local Overseas in FCY Online
Shopping OCBC Titanium Rewards: 4 mpd

Citi Rewards: 4 mpd

OCBC Titanium Rewards: 4 mpd

Citi Rewards: 4 mpd

OCBC Titanium Rewards: 4 mpd

Citi Rewards: 4 mpd

UOB PP Visa Card: 4 mpd

DBS Woman’s World: 4 mpd

HSBC Revolution: 2 mpd

General Spends and Travel Bookings BOC Elite Miles World Mastercard: 2 mpd

UOB PRVI Miles: 1.4 mpd

Citi PremierMiles Visa: 1.2 mpd

DBS Altitude: 1.2 mpd

AMEX KF Ascend: 1.2 mpd

BOC Elite Miles World Mastercard: 5 mpd

UOB Visa Signature: 4 mpd

SC Visa Infinite: 3 mpd

SC Rewards+ Card: 2.9 mpd

UOB PRVI Miles: 2.4 mpd

Citi PremierMiles: 2 mpd

DBS Altitude: 2 mpd

DBS Woman’s World: 4 mpd

DBS Altitude: 3 mpd

HSBC’s Revolution: 2 mpd

Dining Maybank Horizon: 3.2 mpd

HSBC’s Revolution: 2 mpd

Use general spending cards DBS Woman’s World: 4 mpd

HSBC’s Revolution: 2 mpd

Overseas Spends NA BOC Elite Miles World Mastercard: 5 mpd

UOB Visa Signature Card: 4 mpd

Standard Chartered Visa Infinite Card: 3 mpd

Standard Chartered Rewards+ Credit Card: 2.9 mpd

BOC Elite Miles World Mastercard: 5 mpd

UOB Visa Signature Card: 4 mpd

Standard Chartered Visa Infinite Card: 3 mpd

Standard Chartered Rewards+ Credit Card: 2.9 mpd

*mpd = miles/dollar

Details and terms and conditions for each card can be found in the post

 


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 - Best Miles Credit Card for ShoppingOCBC Titanium Rewards Card

Features and benefits 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
  • 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. Getting the OCBC Titanium Rewards Card in both colours will double your yearly cap.
  • The OCBC$ can only be converted into KrisFlyer miles.
  • Your accumulated OCBC$ are only valid for 2 years.

Read our review of the OCBC Titanium Rewards Card here.

Citi Rewards Card - Best Miles Credit Card for ShoppingCiti Rewards Card

Features and benefits of the Citi Rewards Card:

  • Earn 10X Rewards 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
    • Shopping websites whose main business is the selling of shoes, bags, and clothes. This is determined by the website’s Merchant Category Code (MCC)
  • Your Citi Dollars 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.

Read our review of the Citi Rewards Card here.

UOB Preferred Platinum Card - Best miles credit card for online shopping and contactless transactionsUOB Preferred Platinum Visa Card

Features and benefits of the UOB Preferred Platinum Visa Card:

  • Earn 10 UNI$ for every S$5 spent on online shopping (both local and overseas) as well as per S$5 spent on entertainment purchases at fave (by Groupon), Qoo10, Reebonz, Cathay Cineplexes, and Shopback. This amounts to 4 miles per S$1.
  • Earn 10 UNI$ per S$5 (which is 4 miles per S$1) spent on contactless transactions at over 10,000 retail outlets in Singapore.
  • 1-year annual fee waiver.

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

  • UNI$ that you earn on online transactions, entertainment transactions, and contactless transactions are capped at UNI$2,000 each month. So, you earn 4,000 air miles per month and 48,000 air miles each year.
  • UNI$ are valid for 2 years.

Read also: Best Credit Cards for Online Shopping

Back to top


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 little 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.

BOC Elite Miles World Mastercard

BOC Elite Miles World Mastercard

Features and benefits of the BOC Elite Miles World Mastercard

  • Earn a whopping 5 miles per S$1 spent overseas (until 31 December 2018). Post this date, you earn 3 miles per S$1 on your overseas spends.
  • Get 2 miles per S$1 spent locally and until 31 December 2018. From 1 January 2019 onwards you will earn 1.5 miles per S$1 that you spend in Singapore.
  • No cap on the miles that you earn.
  • No minimum spend!
  • 1-year annual fee waiver.

Caps, limitations, and things to note with the BOC Elite Miles World Mastercard:

  • BOC Rewards Points can be converted to KrisFlyer miles or Asia Miles.
  • S$32.10 fee is applicable per conversion of points to miles.
  • Points are valid for a minimum of 12 months and a maximum of 24 months.

Check out our review of the BOC Elite Miles World Mastercard here.

UOB PRVI Miles Card - best miles credit card for general spendingUOB PRVI Miles Visa Card

Features and benefits of the UOB PRVI Miles Visa Card:

  • Earn 1.4 miles per S$1 on local transactions.
  • Get 2.4 miles per S$1 on overseas transactions charged in foreign currency.
  • Earn 6 miles per S$1 spent on Expedia, Agoda, and on bookings made via UOB Travel during the promotional period.
  • 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:

  • UNI$ are awarded in blocks of S$5.
  • Rewards are earned in the form of UNI$ at the rate of UNI$1 = 2 air miles.
  • UNI$ are valid for 2 years.

Citi PremierMiles Card - best miles credit card for general spendsCiti PremierMiles Visa Card

Features and benefits of the Citi PremierMiles Visa Card:

  • Earn 1.2 Citi Miles per S$1 spent locally.
  • Get 2 Citi Miles per S$1 spent in foreign currencies.
  • You also get 10 Citi Miles per S$1 spent on Kaligo, 7 Citi Miles per S$1 spent on Agoda, and 3 Citi Miles per S$1 spent on Expedia within the individual promotional periods.
  • 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, and more.
  • Convert miles to Hotel Loyalty Programmes such as IHG Rewards.
  • Earn 10,000 Citi Miles each time you renew your membership.
  • Your Citi Miles never expire.

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

  • The minimum annual income requirement is S$30,000.
  • Citi Miles are rounded down to the nearest dollar.

Read our review of the Citi PremierMiles Visa Card here.

DBS Altitude Card - Best card for general spend and online flight and hotel bookingsDBS Altitude Visa Signature Card

Features and benefits of the DBS Altitude Visa Signature Card:

  • 1.2 miles per S$1 spent locally.
  • 2 miles per S$1 spent overseas in foreign currencies.
  • 3 miles per S$1 for online flight and hotel bookings
  • 10 miles per S$1 spent on Kaligo and 6 miles per S$1 spent on Expedia.
  • Get 50% more miles on all transactions made on Mileslife.
  • 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:

  • Bonus miles on online flight and hotel bookings are capped at 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.

Read our review of the DBS Altitude Card here.

American Express Singapore Airlines KrisFlyer Ascend Card - Best miles credit card for no conversion feeAmerican Express Singapore Airlines KrisFlyer Ascend Credit Card

Features and benefits of the American Express Singapore Airlines KrisFlyer Ascend Card:

  • 1.2 KrisFlyer miles per S$1 spent on all eligible transactions.
  • 2 KrisFlyer miles per S$1 spent overseas in foreign currency during June and December.
  • 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.
  • 3.2 miles per S$1 spent for the first S$200 you spend each month on Grab rides.
  • Receive 5,000 bonus miles when you charge your card for the first time. If you apply online, you can earn an additional 2,000 miles the first time you charge your card (valid until 30 September 2018).
  • Spend a minimum of S$15,000 on singaporeair.com and get a double KrisFlyer Miles Accrual Voucher (until 31 June 2019).
  • No caps and miles are awarded from the first dollar spent.
  • Your miles are directly credited to your KrisFlyer account. This eliminates having to pay a conversion fee to convert points to miles.

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 are only valid for 3 years.
  • The Double KrisFlyer Miles Accrual Voucher is capped at 5,000 bonus miles.

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

Back to top


Best miles credit cards for dining

If you find yourself salivating at the thought of trying every new restaurant and cafe and pops up in Singapore, you probably should get a miles credit card that rewards you specifically for dining. 

Maybank-Horizon-Visa-Signature

Maybank Horizon Visa Signature Card

Features and benefits of the Maybank Horizon Visa Signature Card:

  • Earn 3.2 air miles (8X TREATS Points) per S$1 spent on local dining, taxi fares (with selected taxi providers), petrol, and hotel bookings made on Agoda.com
  • Earn 2 air miles (5X TREATS Points) per S$1 spent on travel packages, flight tickets, and foreign currency transactions.
  • Enjoy a 3-year waiver on the annual fee.

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

  • Minimum spend of S$300 in a calendar required to earn bonus TREATS Points
  • TREATS Points are valid for 12-15 months only
  • Bonus TREATS Points are capped at 30,000 points each calendar month
  • Annual income requirement of S$50,000

Read our review of the Maybank Horizon Visa Signature Card here.

HSBC Revolution Credit Card - best miles credit card for local diningHSBC Revolution Card

Features and benefits of the HSBC Revolution Card:

  • Earn 5X Rewards points (2 miles per S$1 spent) on local dining, local entertainment, and online transactions.
  • All other eligible spends get 1 Rewards point or 0.4 miles per S$1 spent.
  • No minimum spend required to earn miles.
  • Enjoy 2-year annual fee waiver.

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

  • HSBC reward points expire within 3 years

Read our review of HSBC’s Revolution Card here.

Back to top


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.

BOC Elite Miles World Mastercard

BOC Elite Miles World Mastercard

Features and benefits of the BOC Elite Miles World Mastercard:

  • Earn a whopping 5 miles per S$1 spent overseas (until 31 December 2018). Post this date, you earn 3 miles per S$1 on your overseas spends.
  • Get 2 miles per S$1 on local spends until 31 December 2018. From 1 January 2019 onwards you will earn 1.5 miles per S$1 that you spend in Singapore.
  • No cap on miles and no minimum spend.

Caps, limitations, and things to note with the BOC Elite Miles World Mastercard:

  • Points are valid for a minimum of 12 months and a maximum of 24 months.

standard chartered visa infinite card - Best miles credit card for overseas spendsStandard Chartered Visa Infinite Credit Card

Features and benefits 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.

Check out our review of the Standard Chartered Visa Infinite Card here.

UOB visa infinite card - Best miles credit card for overseas spendsUOB Visa Signature Credit Card

Features and benefits of the UOB Visa Signature Card:

  • Earn 4 miles per S$1 spent on overseas transactions (online/offline), petrol, and contactless transactions. (10X UNI$ 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 contactless 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 contactless transactions per statement cycle.

Standard Chartered Rewards+ Card

Standard Chartered Rewards+ Credit Card

Features and benefits of the Standard Chartered Rewards+ Credit Card:

  • Earn 2.9 miles for every S$1 spent in foreign currencies. This includes shopping on websites based in other countries.
  • No minimum spend requirement.

Caps, limitations and things to note with the Standard Chartered Rewards+ Credit Card:

  • The cap for additional reward points is 20,000 points per anniversary year (equivalent to 5,800 miles).
  • Post this cap, you will only earn 0.29 miles for every S$1 that you spend.

Read our review of this card here.

Back to top


Best miles credit cards for online purchases

Why limit your online purchases to shopping for clothes, bags, and shoes. These days, online purchases include food delivery, paying for yoga classes, buying books online, travel bookings, or shopping for groceries.

If you make most of your purchases online, 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 - best miles credit card for online spendsDBS Woman’s World Mastercard

Features and benefits 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.
  • 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.
  • DBS points will expire within 1 year.
  • You can only convert DBS points to miles from Singapore Airlines KrisFlyer and Asia Miles or Air Asia’s Big points.

HSBC Revolution Credit Card - best miles credit card for online transactionsHSBC Revolution Card

Features and benefits of the HSBC Revolution Card:

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

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

  • HSBC reward points expire within 3 years

Back to top


If you’re wondering how much these air miles credit cards will cost you, here’s a summary of the annual fees:

Credit Card Annual Fee
OCBC Titanium Rewards Card S$192.60 (2-year fee waiver)
Citi Rewards Card S$192.60 (1-year fee waiver)
Citi PremierMiles Visa Card S$192.60 (1-year fee waiver)
UOB Preferred Platinum Visa Card S$192.60 (1-year fee waiver)
UOB PRVI Miles Card S$256.80 (1-year fee waiver)
Standard Chartered Visa Infinite Credit Card S$588.50
Standard Chartered Rewards+ Credit Card S$192.60 (2-year fee waiver)
DBS Woman’s World Card S$192.60 (1-year fee waiver)
DBS Altitude Visa Signature Card S$192.60 (1-year fee waiver)
BOC Elite Miles World Mastercard S$190 (1-year fee waiver)
The American Express Singapore Airlines KrisFlyer Ascend Credit Card S$337.05
Maybank Horizon Visa Signature Card S$180 (3-year fee waiver)
HSBC’s Revolution Credit Card S$160.50 (2-year fee waiver)

That’s a wrap to the best miles credit cards in Singapore. 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!

Want to find out which cards you should be using to maximize your cashback? We’ve got an article on that! Check it out here.

Want to apply for a credit card? Head over to BankBazaar to get exclusive offers with new sign ups.

Share.

Leave A Reply

× AWESOME SAUCE!

Request received - loud & clear!
Returning you to where you were...