2022 List of the 7 Best Miles Credit Cards for Singapore

Priscilla Lee
Updated:
MoneyMate best miles credit cards Singapore illustration

After putting travel plans on hold seemingly indefinitely, the world is finally starting to open up again.

That means miles credit cards are back in fashion, especially with rising ticket prices and travellers who are willing to pay more for a getaway.

Today, we’ve shortlisted seven miles credit cards that may pique your interest.

Whether your ideal card is one with the best travel perks or most miles per dollar, there’s bound to be one that will work for you.

Our Picks: 7 Best Miles Credit Cards for Singapore

Miles Credit CardLocal SpendOverseas Spend & Others
Citi PremierMiles Card
  • 1.2 MPD
  • 2 MPD on foreign transactions
  • 7 MPD on Agoda and 10 MPD on Kaligo
American Express Krisflyer Ascend Card
  • 1.2 MPD on all purchases
  • 3.2 MPD on Grab transactions
  • 2 MPD only in June and December (1.2 MPD otherwise)
  • 2 MPD on Singapore Airlines and KrisShop
  • 0.5 MPD on Singapore Airlines instalment plans
DBS Altitude Card
  • 1.2 – 2.2 MPD
  • 2 – 3 MPD overseas
  • 3 – 4 MPD on online flight and hotel bookings
  • 10 MPD on Kaligo
Maybank Horizon Visa Signature Card
  • 3.2 MPD for dining out, petrol, public transport, Grab, taxi rides, and Agoda bookings
  • 0.4 MPD for all other local spend
  • 2 MPD for foreign and travel-related transactions
Standard Chartered Visa Infinite Card
  • 1.4 MPD with at least S$2,000 spend monthly
  • 3MPD with at least S$2,000 spend monthly
UOB KrisFlyer Card
  • 3 MPD for dining, food delivery, transport, travel, and online shopping
  • 3 MPD for purchases with SIA group
UOB PRVI Miles Card
  • 1.4 MPD
  • 2.4 MPD overseas
  • 6 MPD for airlines and hotel spending via Agoda, Expedia, and UOB Travel

1. Citi PremierMiles Card

PROMO: Receive a Samsonite Straren Spinner 67/24 (worth S$600) or Sony WH-1000XM5 headphones (worth S$569) or a Dyson V8 Slim™ Fluffy (worth $549) or S$350 cash

Citi Premier Miles Card

The Citi PremierMiles Card is designed for the occasional traveller looking to accumulate miles at their own pace. It offers decent miles earning rates with Citi Miles that never expire.
Read full review
PROMO: Receive a Samsonite Straren Spinner 67/24 (worth S$600) or Sony WH-1000XM5 headphones (worth S$569) or a Dyson V8 Slim™ Fluffy (worth $549) or S$350 cash

This is an entry-level miles card great for younger working adults who may not incur a high monthly spend yet. Since Citi Miles never expire, cardholders get a longer timeframe to accumulate enough for redemption.

One of the good things about Citi is that it gives you the option of earning miles on bills like rent, insurance premiums, taxes, and utilities – categories that are typically excluded with other credit cards.

This card also offers 2 airport lounge passes per year, complimentary travel insurance, and a boosted MPD rate when spending with Kaligo and Agoda. 

Annual Fees: S$192.60

Annual Income Requirement: S$30,000 for Singaporeans and PRs; S$42,000 for foreigners.

Best For: Young earners who want a travel-focused card with which they can slowly collect miles.

Current promotion: Receive a Samsonite Straren Spinner 67/24 (worth S$600) or Sony WH-1000XM5 headphones (worth S$569) or a Dyson V8 Slim™ Fluffy (worth $549) or S$350 cash when you spend a minimum of S$500 on eligible goods within 30 days of card approval. (Valid until 15 August 2022) Click to apply.

2. AMEX Singapore Airlines KrisFlyer Ascend Card

PROMO: Receive 21,500 KrisFlyer Miles welcome bonus when you spend S$500 within 30 days of card approval, plus 5,000 miles upon first card transaction.

American Express KrisFlyer Ascend Card

The American Express KrisFlyer Ascend Card is designed for SIA loyalists who want a fast track to KrisFlyer Elite Gold Membership. But ever since the card benefits were nerfed, it’s not a great option past the first year.
Read full review
PROMO: Receive 21,500 KrisFlyer Miles welcome bonus when you spend S$500 within 30 days of card approval, plus 5,000 miles upon first card transaction.

With its range of travel perks and all the bonus KrisFlyer miles, this card is one of the better ones for SIA loyalists. It’s a well-rounded option offering airport lounge access, complimentary stays at the Hilton, and preferential rates for portal wi-fi routers and Hertz rentals.

This mid-level card is a stepping stone to the KrisFlyer Elite Gold membership tier, which offers benefits like:

  • KrisFlyer Gold Lounge access
  • Access to over 900 Star Alliance Gold Lounges worldwide
  • Priority check-in and boarding
  • Priority baggage handling
  • Extra 20kg check-in allowance 

Annual Fees: S$337.05

Annual Income Requirement: S$50,000 for Singaporeans and PRs; S$60,000 for foreigners.

Best For: Those who fly mainly with Singapore Airlines and who regularly spend on Grab (e.g. transport, food delivery). The KrisFlyer Ascend offers 3.2 MPD on up to S$200 in Grab transactions every month.

Current promotion: Receive 21,500 KrisFlyer Miles welcome bonus when you spend S$500 within 30 days of card approval (valid until 15 Aug 2022), plus 5,000 miles upon first card transaction (valid until 31 Aug 2022). Click to apply.

3. DBS Altitude Card

PROMO: Receive up to 43,000 welcome miles

DBS Altitude Card Visa Signature

The DBS Altitude is an entry-level miles card offering DBS Points that never expire. With its boosted rates for travel-related spending, it’s a great card for younger income earners who have a penchant for travel.
Read full review
PROMO: Receive up to 43,000 welcome miles

Like the Citi PremierMiles, the DBS Altitude Card gives you points that don’t expire (1 DBS Point = 2 miles). Combine that with the many ways you can earn bonus miles on this card and it’s no wonder this card is popular as an all-purpose card.

Best used in combination with the DBS Multiplier for higher interest on your savings while you spend.

Annual Fees: S$192.60 (waived with S$25,000 spend yearly, but no bonus miles with fee waiver)

Annual Income Requirement: S$30,000 for Singaporeans and PRs; S$45,000 for foreigners.

Best For: Frequent flyers. You get the most miles out of this card on flight and hotel bookings along with overseas spending.

4. Maybank Horizon Card

PROMO: Get a Samsonite Harts 68/25 Spinner worth S$550*

Maybank Horizon Card

Maybank Horizon Visa Signature Card is an entry-level miles card with a generous 3-year fee waiver and free supplementary cards. The 3.2 MPD for local spend goes beyond the usual rates offered by most other miles cards.
Read full review
PROMO: Get a Samsonite Harts 68/25 Spinner worth S$550*

This entry-level miles card is a rare gem that offers 3.2 MPD for local spending categories like dining out, public transport, Grab/taxi rides, and petrol. That’s good news for those of us who can’t afford to take frequent trips abroad for boosted MPD rates but still want a way to collect miles.

The card also offers a whole host of travel benefits, like free travel insurance, complimentary airport lounge access, and VIP lounge access when you charge S$1,000 in a single retail transaction within 3 months of your travel date.

At S$300 minimum spending, this card remains one of the most accessible options as well. 

Annual Fees: S$180 (waived for first 3 years)

Annual Income Requirement: S$30,000 for Singaporeans and PRs; S$45,000 for Malaysians; S$60,000 for foreigners.

Best For: Those who want a high local MPD rate for the occasional holiday.

Current promotion: Apply for a new Maybank Credit Card and CreditAble, and charge to your Credit Card and/or withdraw from your CreditAble Account a minimum of S$300 for each of the first two consecutive months upon approval. Limited to the first 4,500 approved applicants and exclusive to first-time applicants. Subsequent approved applicants will receive S$100 Cash Credit. Click to apply.

5. Standard Chartered Visa Infinite

PROMO: Receive 35,000 miles and 3 months Disney+ subscription

Standard Chartered Visa Infinite

The Standard Chartered Visa Infinite Card has one of the highest local and overseas MPD earn rates in the market. However, expensive annual fees and the lack of a renewal bonus make this card less attractive after the first year.
Read full review
PROMO: Receive 35,000 miles and 3 months Disney+ subscription

Unlike most of the options on this list, the StanChart Visa Infinite is by no means an entry-level card: it requires at least S$150k income annually or at least S$30,000 if you’re a Priority/Private Banking customer.

But if you do meet the requirements, this card offers luxurious perks like:

  • 6 complimentary Priority Pass lounge visits per year
  • Exclusive dining privileges at Marina Bay Sands
  • 24/7 access to Visa Infinite Concierge and Emergency Services
  • Complimentary travel insurance coverage of up to S$1,000,000
  • Option to earn rewards points when you pay taxes, insurance, and so on

Annual Fees: S$588.50

Annual Income Requirement:

  • If Priority/Private Banking client, S$30,000 for Singaporeans and PRs and S$60,000 for foreigners.
  • S$150,000 for all other clients.

Best For: Affluent travellers who value luxury perks and exclusive travel privileges over maximising opportunities to earn extra miles.

Current promotion: Receive 35,000 miles and 3 months Disney+ subscription when you activate the card within 30 days of card approval (Valid until 31 August 2022). Click to apply.

6. UOB KrisFlyer Card

PROMO: Receive 12,000 KrisFlyer welcome miles

UOB Krisflyer Card

The UOB KrisFlyer Credit Card offers a 3mpd bonus rate on items an average person is likely to spend on. But if you’re thinking of getting this card, you’ll need to consider the timeframe and whether you’re willing to be locked into the card until your bonus miles are awarded.
Read full review
PROMO: Receive 12,000 KrisFlyer welcome miles

The UOB KrisFlyer Credit Card is a miles card and bank account rolled into one. With 3 MPD on local spending and another 3 MPD for transactions with SIA brands, this card is designed for travel enthusiasts who take regular trips via Singapore Airlines or Scoot.

A few of the perks that come with this card include:

  • GrabFood vouchers and KrisShop rebates
  • A high 4.5 MPD for KrisShop purchases
  • 10,000 KrisFlyer miles renewal bonus
  • Priority check-in and boarding on Scoot
  • Extra baggage allowance and standard seat selection on Scoot
  • Bonus KrisFlyer miles with the KrisFlyer UOB Deposit Account

Just note that many of the perks are focused on the SIA brand and the high MPD earn rate is only for those who spend at least S$500 on SIA per year. 

Annual Fees: S$192.60 (waived for the first year)

Annual Income Requirement: S$30,000 for Singaporeans and PRs; S$80,000 for foreigners.

Best For: SIA loyalists who want a high local and travel-related MPD earn rate.

7. UOB PRVI Miles Card

PROMO: Receive 12,000 welcome miles

UOB PRVI Miles Card

Disguised as an entry-level card, the UOB PRVI Miles Card is actually best for high spenders or families that can charge at least S$50,000 per year. But even if you don’t hit the minimum sum for the loyalty miles, this card still offers above-average MPD rates and travel perks.

PROMO: Receive 12,000 welcome miles

The UOB PRVI strikes a balance between decent MPD earn rates and travel perks typically reserved for more affluent customers. It offers benefits such as:

  • Complimentary airport transfers
  • UOB PRVI Travel Butler with dedicated hotline for comprehensive travel assistance
  • Complimentary travel accident/illness insurance coverage up to S$50,000
  • 1.4 MPD for local spend and 2.4 MPD for overseas spend
  • 1.4 MPD for public transport rides
  • 6 MPD for major airlines and hotel bookings

As far as entry-level cards go, that’s one of the better local MPD rates. That said, you only get the bonus 20,000 miles when you spend at least S$50,000 a year, which makes this card best for high spenders.

Annual Fees: S$256.80 (waived for the first year)

Annual Income Requirement: S$30,000 for Singaporeans and PRs; S$40,000 for foreigners.

Best For: High spenders such as business travellers or those with families.

Current Promotion: Receive 12,000 welcome bonus miles. To qualify, make a min. spend of S$1,500 within 30 days of card approval (Valid until 31 July 2022)

Summary of 7 Best Miles Credit Cards

As a recap, here’s the basic information of each card at a glance:

CardAnnual FeesIncome RequirementMinimum Spend
Citi PremierMiles CardS$192.60Singaporeans and PRs:  S$30,000 or more Foreigners: S$42,000 or more
American Express KrisFlyer Ascend CardS$337.05Singaporeans and PRs: S$50,000 or more Foreigners: S$60,000 or moreS$3,000 in the first month to receive complimentary hotel stay (valid ‘til 30 June 2022)
DBS Altitude CardS$192.60 (waived with $25,000 yearly spend, but no bonus miles with fee waiver)Singaporeans and PRs:  S$30,000 or more
Foreigners: S$45,000 or more 
Maybank Horizon Visa Signature CardS$180 (waived for first 3 years)Singaporeans and PRs:  S$30,000 or more
Malaysians: S$45,000 or more Foreigners: S$60,000 or more
S$300 per month
Standard Chartered Visa Infinite Credit Card S$588.50 Singaporeans and PRs:  S$30,000 or more for priority/private banking clients only Foreigners: S$60,000S$2,000 in eligible spending per statement cycle
UOB KrisFlyer CardS$192.60 (waived for first year)Singaporeans and PRs: S$30,000 Foreigners: S$80,000 Or fixed deposit collateral of at least S$10,000S$500 annually on Singapore Airlines
UOB PRVI Miles CardS$256.8 (waived for first year)Singaporeans and PRs: S$30,000
Foreigners: S$40,000
Or fixed deposit collateral of at least S$10,000
S$50,000 annually for 20,000 bonus miles