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 Card||Local Spend||Overseas Spend & Others|
|Citi PremierMiles Card|
|American Express Krisflyer Ascend Card|
|DBS Altitude Card|
|Maybank Horizon Visa Signature Card|
|Standard Chartered Visa Infinite Card|
|UOB KrisFlyer Card|
|UOB PRVI Miles Card|
1. Citi PremierMiles Card
Citi Premier Miles Card
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 via Citi PayAll, you have the option of earning miles on bills like rent, insurance premiums, taxes, and utilities – categories that are typically excluded with other credit cards. You’ll have to pay a fee for this along with fulfilling a few other requirements (like a minimum spend).
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$194.40
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.
2. AMEX Singapore Airlines KrisFlyer Ascend Card
American Express KrisFlyer Ascend Card
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$340.20
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.
3. DBS Altitude Card
DBS Altitude Card Visa Signature
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$194.40 (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.
Current Promotion: Receive up to 40,000 Miles with a minimum spend of S$2,000 within 30 days from card approval date. (Valid until 30 September 2023) Terms and Conditions apply.
4. Maybank Horizon Card
Maybank Horizon Card
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.
5. Standard Chartered Visa Infinite
Standard Chartered Visa Infinite
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$594
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.
6. UOB KrisFlyer Card
UOB Krisflyer Card
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$194.40 (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
UOB PRVI Miles Card
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$259.20 (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.
Summary of 7 Best Miles Credit Cards
As a recap, here’s the basic information of each card at a glance:
|Card||Annual Fees||Income Requirement||Minimum Spend|
|Citi PremierMiles Card||S$192.60||Singaporeans and PRs: S$30,000 or more Foreigners: S$42,000 or more|
|American Express KrisFlyer Ascend Card||S$337.05||Singaporeans and PRs: S$50,000 or more Foreigners: S$60,000 or more||S$3,000 in the first month to receive complimentary hotel stay (valid ‘til 30 June 2022)|
|DBS Altitude Card||S$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 Card||S$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$60,000||S$2,000 in eligible spending per statement cycle|
|UOB KrisFlyer Card||S$192.60 (waived for first year)||Singaporeans and PRs: S$30,000 Foreigners: S$80,000 Or fixed deposit collateral of at least S$10,000||S$500 annually on Singapore Airlines|
|UOB PRVI Miles Card||S$259.20 (waived for first year)||Singaporeans and PRs: S$30,000|
Or fixed deposit collateral of at least S$10,000
|S$50,000 annually for 20,000 bonus miles|