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

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Do you find yourself taking an envious peek 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 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 cards in Singapore and when to use which card


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
    • Personal care products.
  • Until 31 Dec 2018, all payments made using mobile wallets such as Apple Pay, Google Pay, and Samsung Pay also earn 4 miles per dollar
  • 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 per card. 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 20X points or 8 miles per S$1 spent on selected merchants such as Amazon, Takashimaya, DFS 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 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$ (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.
  • 1-year annual fee waiver.

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

  • The miles you earn are capped at 4,000 miles per month and 48,000 miles each year.
  • UNI$ are valid for 2 years.

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 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 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$5 transactions and will be awarded in the form of UNI$ at the rate of UNI$1 = 2 air miles.
  • UNI$ are valid for 2 years.

Citi PremierMiles 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.
  • 7 miles per S$1 spent on Agoda, and 10 miles per S$1 spent on Kaligo during 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
  • 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
  • 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.

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:

  • Earn 1.2 miles per S$1 spent locally.
  • Get 2 miles per S$1 spent overseas in foreign currencies.
  • Earn 3 miles per S$1 for online flight and hotel bookings
  • Earn 10 miles per S$1 spent on Kaligo and 6 miles per S$1 spent on Expedia.
  • 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 travel bookings 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.

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:

  • Earn 1.2 KrisFlyer miles per S$1 spent on all other transactions.
  • 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.
  • Get 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.
  • 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.

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


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 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.
  • Enjoy a 3-year waiver on the annual fee.

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 Credit Card - best miles credit card for local diningHSBC 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 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.
  • HSBC reward points expire within 3 years.

Read our review of HSBC’s Revolution Card here.


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 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$1 spent on overseas transactions (online/offline), petrol and Visa payWave transactions. (10X UNI$ 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.

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:

  • All additional reward points are capped at 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.

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, travel bookings, 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 - 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.
  • Milelife transactions are excluded as an online spend.

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 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 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)
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.

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