Best Air Miles Credit Cards with Free Airport Transfers in Singapore 2020

Singaporeans love to travel, and Changi is a very busy airport for that reason. Although Changi is located relatively close to the city, there aren’t that many cheap or easy ways to get to the airport. Of the 100+ credit cards in Singapore, we've narrowed down the selection to those with the best free or discounted limo transfers, allowing you to save money while also enjoying extra comfort and convenience.

Best Credit Cards for TransfersAirport Transfer BenefitsCard Features
UOB PRVI Miles2 Transfers/quarter, requires minimum overseas spend of S$1,000/quarterUp to 20,000 renewal miles, 2.4 miles per $1 overseas
Citi Prestige2 Transfers/quarter. requires minimum spend of S$20,000/quarter25,000 bonus miles/yr, lounge and JetQuay access & more
OCBC VoyageUp to 2 Transfers/month, requires minimum spend of S$3,000/transfer1.6 miles per S$1 on local dining, no-fee miles redemption
CIMB V. Infinite10% Transfer discount via DragonPass, available in 300 cities1% unlimited cashback, 2% travel & foreign currency
KrisFlyer UOBGrab for Changi trips + Transport Boost3 miles per S$1 with SIA, transport, dining & more
SC Visa Infinite XFuel Savings + Hertz Asia Privileges3 miles per S$1 overseas, rewards for tax payments

Best Travel Card for Rapidly Earning Miles: UOB PRVI Miles American Express Card

Consider this if you want to maximise mile rewards without paying an extravagant annual fee

Annual Income Requirement S$30,000
Foreigner Income Requirement S$40,000
Promotions:
  • New cardholders will receive S$80 cash via Paynow upon approval
  • Existing cardholders will receive S$20 worth of GrabFood voucher
  • Earn 4.4mi/S$1 on 1st S$80 spend on local transit fare paid via SimplyGo

UOB PRVI Miles American Express Card is one of the best travel cards on the market. Cardholders earn top rewards rates of 1.4 miles per S$1 locally, 2.4 overseas, and 6 with major airlines & hotels. In addition, they receive great perks–one of them being free airport transfer privileges. Cardholders receive up to 2 transfers per quarter when they spend S$1,000 overseas during that quarter. Given it’s a travel card, this is more than reasonable. In addition, this minimum requirement is far lower than any competitor’s.

UOB PRVI Miles Card’s S$256.8 fee is already lower than most cards with similar rates and perks. Cardholders who spend S$50,000/year, however, are exempt from the fee altogether. In addition, spend at this level earns 20,000 bonus miles (worth S$200). No other travel card allows consumers to accrue no-fee miles this rapidly, while enjoying such perks. If you want to maximise your miles and easily access free transfers, UOB PRVI Miles Card is the best option for you.

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  • Annual fee: S$256.8, 1-year waiver, subsequently with S$50,000 annual spend
  • 20,000 bonus annual renewal miles (worth S$200) with S$50,000 annual spend
  • 1.4 miles per S$1 local spend, 2.4 miles overseas, 6 miles at major airlines & airports
  • 8 free limo transfers & free travel insurance
  • UOB PRVI Travel Butler & Amex Essentials
  • Annual fee: S$256.8, 1-year waiver, subsequently with S$50,000 annual spend
  • 20,000 bonus annual renewal miles (worth S$200) with S$50,000 annual spend
  • 1.4 miles per S$1 local spend, 2.4 miles overseas, 6 miles at major airlines & airports
  • 8 free limo transfers & free travel insurance
  • UOB PRVI Travel Butler & Amex Essentials

Best Miles Card for Luxury Travel Perks: Citi Prestige MasterCard

Consider this if you want special travel perks like free hotel nights and unlimited lounge access

Annual Income Requirement S$120,000
Foreigner Income Requirement S$120,000
Promotions:
  • Get a set of Apple AirPods Pro (worth $379) or $250 cash for all new Citibank cardmembers upon activating and spending within 60 days of card approval (valid until November 30)
  • S$30 cash via PayNow (existing customers)
  • Promo period: 1 - 30 November 2020

Citi Prestige MasterCard not only has some of the highest rewards rates on the market, it also provides top-notch luxury perks–including up to 8 free limo transfers annually. Cardholders receive 2 complimentary transfers every quarter in which they spend at least S$20,000. While this minimum may seem high, this card is best fit for affluent travellers. In fact, the annual fee is S$535–though this is quickly offset by 25,000 annual renewal miles (worth S$250) and an annual bonus up to 30% based on tenure of relationship with Citibank.

Citi Prestige Card also offers remarkable perks like unlimited lounge access, bonus 4th hotel nights worldwide, access to JetQuay and golfing privileges throughout SE Asia. In addition, S$1 spend earns 1.3 miles locally and 2 miles overseas. Ultimately, if you’re a high spender interested in the very best luxury perks, Citi Prestige Card may just be the best card for you.

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  • Annual fee: S$535
  • 1.3 miles per S$1 local spend, 2 miles overseas
  • 25,000 annual renewal miles (worth S$250)
  • 15%-30% annual Citi relationship bonus
  • Unlimited lounge access, travel insurance, free hotel nights & more
  • Earn miles on taxes, rent, electricity bills, condominium management & school fees w/ Citi PayAll
  • Up to 14% fuel savings with Esso & Shell
  • Annual fee: S$535
  • 1.3 miles per S$1 local spend, 2 miles overseas
  • 25,000 annual renewal miles (worth S$250)
  • 15%-30% annual Citi relationship bonus
  • Unlimited lounge access, travel insurance, free hotel nights & more
  • Earn miles on taxes, rent, electricity bills, condominium management & school fees w/ Citi PayAll
  • Up to 14% fuel savings with Esso & Shell

Best Travel Card for Flexible Miles Redemption: OCBC Voyage Card

OCBC Voyage Card
OCBC Voyage Card

Consider this if you want flexible miles redemption and dine out frequently

Annual Income Requirement S$120,000
Foreigner Income Requirement S$120,000
Promotions:
  • Receive 15,000 annual bonus miles

OCBC Voyage Card is the absolute best option for frequent travellers because it allows cardholders to enjoy up to 24 free transfers a year–that’s 3x the amount possible with competitor cards. In order to enjoy this privilege, cardholders must spend at least S$3,000 within a given month; this qualifies for 1 free transfer. Cardholders receive a 2nd free transfer if they spend another S$3,000 that month (for a grand total of S$6,000).

OCBC Voyage Card also offers greater flexibility in terms of transfers. Cardholders can transfer to, or from, a variety of authorised points: Changi International Airport, Seletar Airport, Harbourfront Ferry Terminal, Tanah Merah Ferry Terminal, and Railway Stations. Many cards limit transfers to Changi Airport.

Finally, OCBC Voyage Card is an excellent option in itself for top-notch perks and flexible miles rewards. Cardholders earn 1.2 miles per S$1 locally, a boosted 1.6 miles for local dining, and 2.3 miles overseas. In addition, there are no black-out dates or conversion fees for miles redemption. Cardholders receive unlimited lounge access and golfing privileges across SE Asia. All in all, these features make OCBC Voyage Card the absolute best card for transfers, especially for those also seeking flexibility and luxury perks.

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  • Annual fee: S$488
  • 1.2 miles per S$1 local spend, 1.6 miles local dining, 2.3 miles overseas
  • Unlimited lounge access, free limo transfers, golfing privileges
  • Free travel insurance & global concierge service
  • Up to 19% fuel savings with Caltex
  • Annual fee: S$488
  • 1.2 miles per S$1 local spend, 1.6 miles local dining, 2.3 miles overseas
  • Unlimited lounge access, free limo transfers, golfing privileges
  • Free travel insurance & global concierge service
  • Up to 19% fuel savings with Caltex

Best Cashback for Golfers & Frequent Travellers: CIMB Visa Infinite Card

Consider this if you want a no fee cashback card for travelling

Annual Income Requirement Singaporean & Singapore PR: S$120,000 . Applicants who do not meet the minimum requirement can submit a minimum Fixed Deposit Collateral of S$50,000
Foreigner Income Requirement N/A
Promotions:
  • Receive S$100 cash credit w/ S$350 monthly spend for 1st 2mo (new customers)

If you’re an affluent traveller that enjoys golfing and prefers earning cashback to miles, CIMB Visa Infinite Card offers an excellent, no-fee way to maximise rewards for your spend. Cardholders earn an unlimited 2% cashback on all travel expenses (airlines, hotels, cruise lines, travel agencies & more) and overseas spend (in SGD or in foreign currency), after a S$2,000 minimum. All other spend earns 1% rebate with no minimum requirement.

Because rewards are uncapped, cardholders have unlimited earning potential, making CIMB Visa Infinite Card ideal for high spenders. However, unlike many travel cards, CIMB Visa Infinite Card is free forever. Cardholders still enjoy perks and privileges associated with pricey travel cards, like free travel insurance, lounge access, and up to 10% off limo transfers in 300 cities, via DragonPass. Cardholders even receive complimentary green fees at 108 fairways across 16 countries (one of the best golf perks currently on the market). Overall, CIMB Visa Infinite Card is the absolute best cashback card for affluent travellers, especially those interested in airport transfers.

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  • Annual fee: Free
  • Unlimited 2% cashback on all travel expenses, foreign currency transactions & overseas spend
  • Unlimited 1% cashback on all other spend
  • Complimentary green fees at 108 fairways across 16 countries
  • Free travel insurance, 3x lounge access, discounted limo transfers
  • CIMB 0% Interest i.Pay Instalment Plan
  • Annual fee: Free
  • Unlimited 2% cashback on all travel expenses, foreign currency transactions & overseas spend
  • Unlimited 1% cashback on all other spend
  • Complimentary green fees at 108 fairways across 16 countries
  • Free travel insurance, 3x lounge access, discounted limo transfers
  • CIMB 0% Interest i.Pay Instalment Plan

Grab Vouchers for Changi Trips: KrisFlyer UOB Card

Consider this if your a young budget-conscious traveller who prefers flying with SIA

Annual Income Requirement S$30,000
Foreigner Income Requirement S$42,000
Promotions:
  • New cardholders will receive S$80 cash via Paynow upon approval
  • Existing cardholders will receive S$20 worth of GrabFood voucher
  • New and existing cardholders will get S$20 cash upon approval

KrisFlyer UOB Card is an ideal option for young budget-conscious flyers willing to exclusively fly with SIA. Cardholders earn 1.2 miles per S$1 spend on general local and overseas spend and 3 miles for transactions with SIA brands (SIA, Scoot, SilkAir, KrisShop). Consumers who spend at least S$500 per year with SIA can access a rewards boost to 3 miles per S$1 on global dining & online food delivery, transport (including public transit), online fashion shopping & travel bookings. Those who spend a significantly higher S$5k/year with SIA earn expedited KrisFlyer Elite Silver status, which allows consumers to earn 25% more miles on every flight booking, but all cardholders are entitled to 10,000 annual bonus miles (worth S$100) which offsets the already moderate S$192.6 annual fee.

In terms of perks, KF UOB Card is also a great match for young, budget travellers. Cardholders enjoy privileges with Scoot–SIA's low cost carrier–like priority check-in & boarding, baggage allowance upgrades, free standard seat selection and booking flexibility waivers. Other perks include a S$20 rebate with KrisShop after making a min. S$100 nett transaction at the store and S$15 towards ChangiWiFi. While cardholders do not have access to free limo transfers, they are provided with S$15 worth of Grab rides to and from Changi Airport. Overall, KrisFlyer UOB Card is likely the best option on the market for young travellers who typically fly with SIA, especially if they're interested in practical perks.

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  • Annual fee: S$192.6, 1-year waiver
  • 3 mi/S$1 spend on SIA brands (SIA, SilkAir, Scoot, KrisShop)
  • 3 mi/S$1 on dining, transport, online shopping & travel bookings w/ S$500 min. SIA spend/yr
  • 1.2 mi/S$1 on general spend
  • 10,000 annual renewal miles
  • Scoot privileges, KrisShop rebate, fast-track to KF Elite Silver & more
  • Annual fee: S$192.6, 1-year waiver
  • 3 mi/S$1 spend on SIA brands (SIA, SilkAir, Scoot, KrisShop)
  • 3 mi/S$1 on dining, transport, online shopping & travel bookings w/ S$500 min. SIA spend/yr
  • 1.2 mi/S$1 on general spend
  • 10,000 annual renewal miles
  • Scoot privileges, KrisShop rebate, fast-track to KF Elite Silver & more

Hertz Asia Privileges: Standard Chartered Visa Infinite X Card

Consider this if you have +S$100k of cash you can put into a banking account with Standard Chartered

Annual Income Requirement S$80,000 (S$30,000 for SG citizens & PR with Priority or Private Banking accounts)
Foreigner Income Requirement S$80,000 (S$60,000 for foreigners with Priority or Private Banking accounts)
Promotions:
  • 35k welcome bonus miles
  • For every month you spend at least S$4,000, receive 2,000 bonus miles unti 31 Dec 2020

While Standard Chartered Visa Infinite X Card does not offer free airport transfers in itself, we’ve included it because of the exceptional transport benefits it offers travellers in other ways. For example, cardholders enjoy Hertz Asia Privileges with 10% rental, bonus days and free upgrades. In addition, they also receive fuel savings up to 20% with Caltex.

But, the real highlight of SC Visa Infinite X Card is its welcome bonus miles. For wealthy consumers who can place S$300k in fresh funds in a Priority Banking Account within the 1st 3 months, this card provides a substantial 100,000 KrisFlyer miles, which goes up to 300,000 miles for those who can deposit S$1.5mn or more. This type of welcome bonus is basically unmatched by any other cards in the market. SC Visa Infinite X Card also provides a variety of luxury perks, from lounge access to golfing privileges. It's worth acknowledging, however, that SC VI X Card comes with a high price tag of $695.5 non-waivable annual fee.

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  • Annual fee: S$695.5
  • 1.2 miles (3pts) per S$1 local spend, 2 miles (5pts) overseas
  • Points can also be redeemed as cashback or travel credits
  • 2 free lounge visits & free travel insurance
  • Hertz Asia rental car & exclusive hotel privileges
  • Discounted green fees at golf clubs in SE Asia
  • Annual fee: S$695.5
  • 1.2 miles (3pts) per S$1 local spend, 2 miles (5pts) overseas
  • Points can also be redeemed as cashback or travel credits
  • 2 free lounge visits & free travel insurance
  • Hertz Asia rental car & exclusive hotel privileges
  • Discounted green fees at golf clubs in SE Asia

Summary of Best Credit Cards for Free Airport Transfers 2020

Below, we've prepared a summary of our picks for the best credit cards for free airport transfers in 2020.

CardBest for...Annual Fee
UOB PRVI MilesRapid MilesS$256.8 (waiver)
Citi PrestigeLuxury Travel PerksS$535.0
OCBC VoyageFlexible MilesS$488.0
CIMB Visa InfiniteCashback for TravellersS$0.0
SC Visa Infinite XHertz Asia PrivilegesS$695.5
CardBest for...Annual Fee
UOB PRVI MilesRapid MilesS$256.8 (waiver)
Citi PrestigeLuxury Travel PerksS$535.0
OCBC VoyageFlexible MilesS$488.0
CIMB Visa InfiniteCashback for TravellersS$0.0
SC Visa Infinite XHertz Asia PrivilegesS$695.5

Compare the Best Credit Cards with Free Airport Transfers by Dollar Value

To help you find the best credit card with free airport transfers, we have prepared a chart below organizing credit cards by 2-year dollar value. We have estimated an average Singaporean's monthly expenditure patterns through research to model out likely savings from credit cards. You should note that the dollar value can heavily depending on your spending habits, so make sure to read through each card's review and see if it fits your monthly budget. There are also other "intangible" benefits like travel perks whose values are difficult to quantify but nevertheless incredibly valuable to some consumers.

A graph displaying how best credit cards with free airport transfers compare to one another in terms of their rewards
Best Credit Cards with Free Airport Transfers By Estimated 2-Year Dollar Value

Conclusion

Travel cards can be rather expensive in terms of annual fees and minimum spend requirements. However, for those who know how to use these cards properly, they can be more valuable than other cards available in the market. Complimentary airport transfer service to Changi is just one of those services, and we recommend that you actively use this feature if you have any of the cards we discussed here.

Carrie Arndt

Carrie is a Senior Analyst at ValueChampion, specialising in credit cards in Singapore. She previously led consumer studies worldwide as a Senior Research Executive at MMR Research.

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