Best Metal Credit Cards in Singapore 2020

Metal credit cards in Singapore range from ‘by invite only’ cards with incredibly high fees to more affordable options, that allow consumers to apply directly. Below, we’ve reviewed the most exclusive metal credit cards in Singapore, singling out incredible benefits ranging from Tower Club Singapore membership to elite hotel statuses worldwide.

Best Metal Credit Card Overall:
Most Accessible Metal Credit Card:
Best Metal Credit Card for Retail Shoppers:
Best Direct-Apply Metal Credit Card:
Best Metal Credit Card for Luxury Perks:
Best Metal Credit Card for Hyatt Loyalists:
Exclusive Credit Card for Golfers:
  • Citi Ultima: 150k annual bonus miles, unltd free lounge access & green fees

Compare Best Metal Credit Cards by Dollar Value

Based on an average monthly spend of S$12,000, we analysed the best credit cards on the market to estimate returned value-to-consumer after 2 years, accounting for rebates and netting out annual fees. As a note, dollar value is heavily dependent on spending habits; intangible benefits (like free travel insurance and airport lounge access) are valuable but difficult to quantify.

A graph displaying how best metal credit cards compare to one another in terms of their rewards
Best Metal Credit Cards in Singapore by Estimated 2-Year Dollar Value
Best Metal Credit Card Overall: Most Accessible Metal Credit Card: Best Metal Credit Card for Retail Shoppers: Best Direct-Apply Metal Credit Card: Best Metal Credit Card for Luxury Perks: Best Metal Credit Card for Hyatt Loyalists: Exclusive Credit Card for Golfers:

Compare Best Metal Credit Cards by Dollar Value

Based on an average monthly spend of S$12,000, we analysed the best credit cards on the market to estimate returned value-to-consumer after 2 years, accounting for rebates and netting out annual fees. As a note, dollar value is heavily dependent on spending habits; intangible benefits (like free travel insurance and airport lounge access) are valuable but difficult to quantify.

A graph displaying how best metal credit cards compare to one another in terms of their rewards
Best Metal Credit Cards in Singapore by Estimated 2-Year Dollar Value

OCBC Voyage Card: Best Metal Card Overall

OCBC Voyage Card
OCBC Voyage Card
  • 15k annual bonus miles & boosted rewards for local dining
  • Promotions: Receive 15,000 annual bonus miles
  • 4th hotel night free at select hotels
  • Read Our Full Review
  • Annual fee: S$488
  • 1.2 miles per S$1 local spend, 1.6 miles local dining, 2.4 miles overseas
  • Unlimited lounge access, free limo transfers, golfing privileges
  • Free travel insurance & global concierge service
OCBC Voyage Card is not only an exceptional metal card in terms of value-to-consumer, it’s also more accessible than any of its alternatives. Cardholders can apply directly, instead of waiting for an invitation, and need a salary of "just" S$120,000 to qualify (compared to S$500,000+ with others). In addition, the annual fee is S$488.0–the absolute lowest of metal cards on the market.


Nonetheless, OCBC Voyage Card comes with excellent benefits. In fact, cardholders earn 1.2 miles per S$1 locally, a boosted 1.6 miles for local dining, and 2.4 miles overseas–rates that are higher than offered by even some of the most expensive metal cards. Cardholders also enjoy flexible miles redemption as there are no black-out dates, no conversion fees, and minimal processing time.

In terms of travel privileges, OCBC Voyage Card also impresses. Cardholders receive unlimited lounge access for the principal cardholder and a guest, free travel insurance with S$1,500,000 personal accident coverage (one of the highest on the market), up to 2 free limo transfers/month, and even 30% off green fees throughout SE Asia. Overall, OCBC Voyage Card is an incredible option if you want access to metal card privileges without a metal card fee.

OCBC Voyage Card
OCBC Voyage Card
  • Stand-Out: 15k annual bonus miles & boosted rewards for local dining
  • Promotions: Receive 15,000 annual bonus miles
  • 4th hotel night free at select hotels
  • Read Our Full Review
  • Annual fee: S$488
  • 1.2 miles per S$1 local spend, 1.6 miles local dining, 2.4 miles overseas
  • Unlimited lounge access, free limo transfers, golfing privileges
  • Free travel insurance & global concierge service
OCBC Voyage Card is not only an exceptional metal card in terms of value-to-consumer, it’s also more accessible than any of its alternatives. Cardholders can apply directly, instead of waiting for an invitation, and need a salary of "just" S$120,000 to qualify (compared to S$500,000+ with others). In addition, the annual fee is S$488.0–the absolute lowest of metal cards on the market.


Nonetheless, OCBC Voyage Card comes with excellent benefits. In fact, cardholders earn 1.2 miles per S$1 locally, a boosted 1.6 miles for local dining, and 2.4 miles overseas–rates that are higher than offered by even some of the most expensive metal cards. Cardholders also enjoy flexible miles redemption as there are no black-out dates, no conversion fees, and minimal processing time.

In terms of travel privileges, OCBC Voyage Card also impresses. Cardholders receive unlimited lounge access for the principal cardholder and a guest, free travel insurance with S$1,500,000 personal accident coverage (one of the highest on the market), up to 2 free limo transfers/month, and even 30% off green fees throughout SE Asia. Overall, OCBC Voyage Card is an incredible option if you want access to metal card privileges without a metal card fee.

Standard Chartered Visa Infinite X: Most Accessible Metal Card

Standard Chartered Visa Infinite X Credit Card
Standard Chartered Visa Infinite X Credit Card
  • Low min. income requirement, flexible rewards redemption
  • Promotions: Up to 60k KrisFlyer Miles w/ S$6k spend in 1st 2mo
  • Upon establishing Priority or Private Banking relationship, earn up to 30k miles w/ S$200k min. deposit/investment, 100k miles w/ S$300k deposit/investment, or up to 150k miles w/ S$800k+ deposit/investment
  • 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
Standard Chartered Visa Infinite X Card is by far the most accessible metal credit card on the market. Cardholders with Priority or Private banking relationships with Standard Chartered need only earn S$30k annually to apply; non-customers must earn S$80k. In both cases, the barrier to entry is far lower than with other metal cards, which tend to require a minimum income of S$150k–S$500k+. Beyond this distinction, SC Visa Infinite X also offers relatively high rates of 1.2 miles per S$1 local spend and 2 miles overseas. Rewards, technically earned as points, are also redeemable as cashback (1.2% locally, 2% overseas) or travel credits (250 points for S$1 credit). In every case, redemption value remains constant. It's worth mentioning, however, that–while rarely advertised–this feature is quite common amongst travel cards.


SC Visa Infinite X Card also offers several exclusive perks for frequent travellers: 2 free lounge visits annually, free travel insurance, Hertz Asia rental discounts and exclusive hotel privileges (The St. Regis, Shangri-La Hotels & Resorts, Mandarin Oriental). Cardholders additionally enjoy 30% savings on green fees at participating golf clubs in SE Asia. These perks add an air of luxury to the card.

Nonetheless, it's worth pointing out that some consumers may prefer SC Visa Infinite Card to SC Visa Infinite X Card. SCVI Card has a lower annual fee (S$588.5) than SCVI X Card (S$695), while simultaneously having higher rewards rates (1.4miles/S$1 locally, 3miles/S$1 overseas) and more comprehensive perks (6 annual lounge visits, complimentary yacht hire & more). Nonetheless, SCVI Card isn't nearly as accessible for consumers without a Priority or Private Banking relationship, with a minimum income requirement of S$150k for non-customers. Consumers specifically seeking a metal card may also prefer SC Visa Infinite X.

Standard Chartered Visa Infinite X Credit Card
Standard Chartered Visa Infinite X Credit Card
  • Stand-Out: Low min. income requirement, flexible rewards redemption
  • Promotions: Up to 60k KrisFlyer Miles w/ S$6k spend in 1st 2mo
  • Upon establishing Priority or Private Banking relationship, earn up to 30k miles w/ S$200k min. deposit/investment, 100k miles w/ S$300k deposit/investment, or up to 150k miles w/ S$800k+ deposit/investment
  • 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
Standard Chartered Visa Infinite X Card is by far the most accessible metal credit card on the market. Cardholders with Priority or Private banking relationships with Standard Chartered need only earn S$30k annually to apply; non-customers must earn S$80k. In both cases, the barrier to entry is far lower than with other metal cards, which tend to require a minimum income of S$150k–S$500k+. Beyond this distinction, SC Visa Infinite X also offers relatively high rates of 1.2 miles per S$1 local spend and 2 miles overseas. Rewards, technically earned as points, are also redeemable as cashback (1.2% locally, 2% overseas) or travel credits (250 points for S$1 credit). In every case, redemption value remains constant. It's worth mentioning, however, that–while rarely advertised–this feature is quite common amongst travel cards.


SC Visa Infinite X Card also offers several exclusive perks for frequent travellers: 2 free lounge visits annually, free travel insurance, Hertz Asia rental discounts and exclusive hotel privileges (The St. Regis, Shangri-La Hotels & Resorts, Mandarin Oriental). Cardholders additionally enjoy 30% savings on green fees at participating golf clubs in SE Asia. These perks add an air of luxury to the card.

Nonetheless, it's worth pointing out that some consumers may prefer SC Visa Infinite Card to SC Visa Infinite X Card. SCVI Card has a lower annual fee (S$588.5) than SCVI X Card (S$695), while simultaneously having higher rewards rates (1.4miles/S$1 locally, 3miles/S$1 overseas) and more comprehensive perks (6 annual lounge visits, complimentary yacht hire & more). Nonetheless, SCVI Card isn't nearly as accessible for consumers without a Priority or Private Banking relationship, with a minimum income requirement of S$150k for non-customers. Consumers specifically seeking a metal card may also prefer SC Visa Infinite X.

UOB Lady's Solitaire Metal Card: Best for Retail Shoppers

UOB Lady's Solitaire Metal Card
UOB Lady's Solitaire Metal Card
  • Up to 4mi per S$1 spend in 2 categories of choice & free Global Hotel Alliance Black Loyalty Membership
  • Annual fee: S$588.0
  • By invitation only
  • 4 miles per S$1 in select categories, 0.4 miles per S$1 general
  • Rewards capped at 10,800 miles/month
  • 2 free lounge visits & 2 free transfers/year, free travel insurance
  • Free 1-year Global Hotel Alliance Black Loyalty Membership
UOB Lady’s Solitaire Metal Card is one of the more accessible metal credit cards and offers higher miles-earning rates than alternatives. Cardholders earn 4 miles per S$1 spend in 2 categories of their choice, which can be updated or changed every quarter: travel, dining, beauty, family, fashion, transport & entertainment–both locally and overseas. To put this in perspective, most metal cards offer 2 miles per S$1 spend, at most. However, earnings with UOB Lady’s Solitaire Metal Card are capped at 10,800 miles/month, which means consumers spending more than S$3,000/month are losing out on their earning potential.


As a result, UOB Lady’s Solitaire Metal Card is best for above-average spenders. While there’s a S$588.0 fee, it’s fairly low compared to other metal cards. In addition, cardholders who max out their miles every month can still earn S$708 even after the fee is deducted.

In addition, while UOB Lady’s Solitaire Metal Card is a more ‘affordable’ option, cardholders still enjoy 2 free lounge visits & 2 free airport transfers/year, free travel insurance, unlimited Boingo WiFi access, and 1-year free Global Hotel Alliance Black Loyalty Membership. Overall, if you want a metal card to maximise miles and spend about S$3,000/month, this could be the card for you–while marketed as ‘by invitation only,’ you can earn an invite by spending S$45,000 on an existing UOB Lady’s Card.

UOB Lady's Solitaire Metal Card
UOB Lady's Solitaire Metal Card
  • Stand-Out: Up to 4mi/S$1 spend & Global Hotel Alliance Black Loyalty Membership
  • Annual fee: S$588.0
  • By invitation only
  • 4 miles per S$1 in select categories, 0.4 miles per S$1 general
  • Rewards capped at 10,800 miles/month
  • 2 free lounge visits & 2 free transfers/year, free travel insurance
  • Free 1-year Global Hotel Alliance Black Loyalty Membership
UOB Lady’s Solitaire Metal Card is one of the more accessible metal credit cards and offers higher miles-earning rates than alternatives. Cardholders earn 4 miles per S$1 spend in 2 categories of their choice, which can be updated or changed every quarter: travel, dining, beauty, family, fashion, transport & entertainment–both locally and overseas. To put this in perspective, most metal cards offer 2 miles per S$1 spend, at most. However, earnings with UOB Lady’s Solitaire Metal Card are capped at 10,800 miles/month, which means consumers spending more than S$3,000/month are losing out on their earning potential.


As a result, UOB Lady’s Solitaire Metal Card is best for above-average spenders. While there’s a S$588.0 fee, it’s fairly low compared to other metal cards. In addition, cardholders who max out their miles every month can still earn S$708 even after the fee is deducted.

In addition, while UOB Lady’s Solitaire Metal Card is a more ‘affordable’ option, cardholders still enjoy 2 free lounge visits & 2 free airport transfers/year, free travel insurance, unlimited Boingo WiFi access, and 1-year free Global Hotel Alliance Black Loyalty Membership. Overall, if you want a metal card to maximise miles and spend about S$3,000/month, this could be the card for you–while marketed as ‘by invitation only,’ you can earn an invite by spending S$45,000 on an existing UOB Lady’s Card.

UOB Visa Infinite Metal Card: Direct-Apply + Exclusive Privileges

UOB Visa Infinite Metal Card
UOB Visa Infinite Metal Card
  • 25k annual bonus miles, Tower Club & China Club access
  • Annual fee: S$642.0
  • 1.4 miles per S$1 locally, 2 miles overseas
  • Receive 25,000 bonus miles w/ each annual renewal
  • 4 free lounge visits/year, free travel insurance
  • Medical concierge; home, vehicle & travel assistance services
  • Visa Luxury Hotel Collection privileges, dining & golfing privileges
  • Tower Club Singapore & China Club Singapore access
UOB Visa Infinite Metal Card is by far the best metal card for luxury privileges that consumers can apply for directly, rather than waiting (and hoping) for an invitation. Cardholders earn at a fairly standard rate of 1.4 miles per S$1 locally and 2 miles overseas, and receive 25,000 bonus miles (worth S$250) with every payment of the S$642.0 annual fee.


While this fee is admittedly high, it’s still lower than that of many other metal cards’. In addition, it’s reflected in the many perks offered to cardholders. For example, cardholders receive 4 free lounge visits/year (plus access to UOB Infinite Private Lounges in SE Asia), free travel insurance, Hertz rental car discounts and upgrades, room upgrades via Visa Luxury Hotel Collection, Tower Club Singapore and China Club Singapore access, and golfing privileges across SE Asia.

While these are great perks, they’re not especially unique amongst metal cards–what makes UOB Visa Infinite special is it’s excellent concierge and support services. Cardholders benefit from UOB Travel Concierge, which offers complimentary flight upgrades, boosted miles rates, and even free transfers with select travel packages. They also receive access to UOB Medical Concierge, which helps to fast track appointment scheduling, make hospital admission arrangements, and even to find proper medical specialists. Finally, cardholders enjoy home, vehicle, travel and medical assistance, up to S$50,000/year. This includes everything from electrical repairs to vehicle towing.

Overall, UOB Visa Infinite Metal Card’s support services are some of the best on the market for everyday assistance–reaching beyond instances of luxury. In addition, you can apply directly, and pay a lower fee than with other metal cards. If you want to enjoy elite privileges now, rather than waiting for an invitation, this could be a great option for you.

UOB Visa Infinite Metal Card
UOB Visa Infinite Metal Card
  • Stand-Out: 25k annual bonus miles, Tower Club & China Club access
  • Annual fee: S$642.0
  • 1.4 miles per S$1 locally, 2 miles overseas
  • Receive 25,000 bonus miles w/ each annual renewal
  • 4 free lounge visits/year, free travel insurance
  • Medical concierge; home, vehicle & travel assistance services
  • Visa Luxury Hotel Collection privileges, dining & golfing privileges
  • Tower Club Singapore & China Club Singapore access
UOB Visa Infinite Metal Card is by far the best metal card for luxury privileges that consumers can apply for directly, rather than waiting (and hoping) for an invitation. Cardholders earn at a fairly standard rate of 1.4 miles per S$1 locally and 2 miles overseas, and receive 25,000 bonus miles (worth S$250) with every payment of the S$642.0 annual fee.


While this fee is admittedly high, it’s still lower than that of many other metal cards’. In addition, it’s reflected in the many perks offered to cardholders. For example, cardholders receive 4 free lounge visits/year (plus access to UOB Infinite Private Lounges in SE Asia), free travel insurance, Hertz rental car discounts and upgrades, room upgrades via Visa Luxury Hotel Collection, Tower Club Singapore and China Club Singapore access, and golfing privileges across SE Asia.

While these are great perks, they’re not especially unique amongst metal cards–what makes UOB Visa Infinite special is it’s excellent concierge and support services. Cardholders benefit from UOB Travel Concierge, which offers complimentary flight upgrades, boosted miles rates, and even free transfers with select travel packages. They also receive access to UOB Medical Concierge, which helps to fast track appointment scheduling, make hospital admission arrangements, and even to find proper medical specialists. Finally, cardholders enjoy home, vehicle, travel and medical assistance, up to S$50,000/year. This includes everything from electrical repairs to vehicle towing.

Overall, UOB Visa Infinite Metal Card’s support services are some of the best on the market for everyday assistance–reaching beyond instances of luxury. In addition, you can apply directly, and pay a lower fee than with other metal cards. If you want to enjoy elite privileges now, rather than waiting for an invitation, this could be a great option for you.

American Express Centurion: Best Metal Card for Luxury Perks

American Express Centurion Card
American Express Centurion Card
  • Unltd lounge, elite hotel privileges, Tower Club membership
  • Annual fee: S$7,490 (+ additional S$7,490 joining fee)
  • By invitation only
  • 0.87 miles per S$1 spend, 7.12 miles with select merchants
  • Unlimited lounge access, free meet & greet, S$800 credit to private jet charter
  • Elite hotel statuses worldwide (SPG Gold, IHG Platinum, Hilton Diamond & more)
  • Tower Club membership, Love Dining Privileges, private shopping privileges
American Express Centurion Card is extremely exclusive–in fact, it’s difficult to find many details about this ‘original’ metal card online. Consumers must be invited to apply, and those that do will be expected to pay both a S$7,490 joining fee plus a S$7,490 annual fee–that’s an incredible S$15,000 payment upfront.


Those seeking top-of-the-line luxury, however, may very well feel this expense is worth it. This card isn’t really about earning miles–general spend earns a very low 0.87 miles per S$1, though it’s worth pointing out that spend with select luxury brands earns 7.12 miles per S$1. What does make Amex Centurion stand out is the sheer amount of perks it offers. Cardholders instantly receive elevated hotel statuses across the board: SPG Gold, IHG Platinum, Club Carlson Gold Elite, Hilton Diamond, and Shangri-La Golden Circle Diamond. They enjoy special treatment spanning from early check-in and room upgrades to $100 USD in amenity credits. Cardholders also receive unlimited lounge access for themselves and 2 guests, with free travel insurance, meet & greet services, and even S$800 credit towards a private jet charter.

Amex Centurion also provides cardholders with exclusive restaurant reservations at Singapore’s top restaurants, access to a personal shopper and private shopping, and of course, Tower Club Membership. As if that weren’t enough, cardholders also receive 40% off yacht charters and up to S$500 credit with select cruise lines. All of this considered, it’s a bit easier to understand how Amex Centurion Card commands such a high fee. And, if you do receive an invite, you’ll be one of the few–the number of cardholders in Singapore is capped.

American Express Centurion Card
American Express Centurion Card
  • Stand-Out: Unltd lounge, elite hotel privileges, Tower Club membership
  • Annual fee: S$7,490 (+ additional S$7,490 joining fee)
  • By invitation only
  • 0.87 miles per S$1 spend, 7.12 miles with select merchants
  • Unlimited lounge access, free meet & greet, S$800 credit to private jet charter
  • Elite hotel statuses worldwide (SPG Gold, IHG Platinum, Hilton Diamond & more)
  • Tower Club membership, Love Dining Privileges, private shopping privileges
American Express Centurion Card is extremely exclusive–in fact, it’s difficult to find many details about this ‘original’ metal card online. Consumers must be invited to apply, and those that do will be expected to pay both a S$7,490 joining fee plus a S$7,490 annual fee–that’s an incredible S$15,000 payment upfront.


Those seeking top-of-the-line luxury, however, may very well feel this expense is worth it. This card isn’t really about earning miles–general spend earns a very low 0.87 miles per S$1, though it’s worth pointing out that spend with select luxury brands earns 7.12 miles per S$1. What does make Amex Centurion stand out is the sheer amount of perks it offers. Cardholders instantly receive elevated hotel statuses across the board: SPG Gold, IHG Platinum, Club Carlson Gold Elite, Hilton Diamond, and Shangri-La Golden Circle Diamond. They enjoy special treatment spanning from early check-in and room upgrades to $100 USD in amenity credits. Cardholders also receive unlimited lounge access for themselves and 2 guests, with free travel insurance, meet & greet services, and even S$800 credit towards a private jet charter.

Amex Centurion also provides cardholders with exclusive restaurant reservations at Singapore’s top restaurants, access to a personal shopper and private shopping, and of course, Tower Club Membership. As if that weren’t enough, cardholders also receive 40% off yacht charters and up to S$500 credit with select cruise lines. All of this considered, it’s a bit easier to understand how Amex Centurion Card commands such a high fee. And, if you do receive an invite, you’ll be one of the few–the number of cardholders in Singapore is capped.

DBS Insignia Visa Infinite Card: Luxury Card for Hyatt Loyalists

DBS Insignia Visa Infinite Card
DBS Insignia Visa Infinite Card
  • Free 2N hotel stay, Club Hyatt Membership & exclusive privileges
  • Annual fee: S$3,210
  • By invitation only (S$500,000 min. income requirement)
  • 1.6 miles per S$1 locally, 2 miles overseas
  • Complimentary lounge access, expedited immigration clearance
  • Free 2N hotel stay at select hotels
  • Club Hyatt Membership w/ Damai Spa access & dining privileges
DBS Insignia Visa Infinite Card is an excellent metal card for Hyatt Hotel loyalists and boasts one of the better rewards rates amongst it competitors. Cardholders earn 1.6 miles per S$1 locally and 2 miles overseas, with an added 100,000 miles bonus (worth S$1,000) wherein miles are non-expiring. Card perks are quite impressive too, including a free 2 night stay for the principal cardholder at exclusive hotels worldwide, free lounge access via Priority Pass, and expedited immigration service.


DBS Insignia Visa Infinite Card stands out for its partnership with Hyatt Hotels. Cardholders receive a Club Hyatt Membership worth S$298, which also comes with discounts up to 50% off dining bills at restaurants in Grand Hyatt Singapore. Cardholders also have access to Damai Spa at Hyatt, which includes free use of the pool, gym, tennis courts, and other amenities.

Finally, this card has a few upscale touches that provide convenience and personalized appeal. DBS Insignia Visa Infinite Card is the first all-metal credit card that offers contactless pay. In addition, cardholders have their name etched in cursive onto the card. This card is definitely not for everyone, however. It’s ‘by invite only,’ requiring a S$500,000+ salary, and has a hefty S$3,210 fee. Overall, affluent Hyatt loyalists may be especially interested in DBS Insignia Visa Infinite Card.

DBS Insignia Visa Infinite Card
DBS Insignia Visa Infinite Card
  • Stand-Out: Free 2N hotel stay, Club Hyatt Membership & exclusive privileges
  • Annual fee: S$3,210
  • By invitation only (S$500,000 min. income requirement)
  • 1.6 miles per S$1 locally, 2 miles overseas
  • Complimentary lounge access, expedited immigration clearance
  • Free 2N hotel stay at select hotels
  • Club Hyatt Membership w/ Damai Spa access & dining privileges
DBS Insignia Visa Infinite Card is an excellent metal card for Hyatt Hotel loyalists and boasts one of the better rewards rates amongst it competitors. Cardholders earn 1.6 miles per S$1 locally and 2 miles overseas, with an added 100,000 miles bonus (worth S$1,000) wherein miles are non-expiring. Card perks are quite impressive too, including a free 2 night stay for the principal cardholder at exclusive hotels worldwide, free lounge access via Priority Pass, and expedited immigration service.


DBS Insignia Visa Infinite Card stands out for its partnership with Hyatt Hotels. Cardholders receive a Club Hyatt Membership worth S$298, which also comes with discounts up to 50% off dining bills at restaurants in Grand Hyatt Singapore. Cardholders also have access to Damai Spa at Hyatt, which includes free use of the pool, gym, tennis courts, and other amenities.

Finally, this card has a few upscale touches that provide convenience and personalized appeal. DBS Insignia Visa Infinite Card is the first all-metal credit card that offers contactless pay. In addition, cardholders have their name etched in cursive onto the card. This card is definitely not for everyone, however. It’s ‘by invite only,’ requiring a S$500,000+ salary, and has a hefty S$3,210 fee. Overall, affluent Hyatt loyalists may be especially interested in DBS Insignia Visa Infinite Card.

Citi Ultima Card: Exclusive Card for Golfers

Citi Ultima Card
Citi Ultima Card
  • 150k annual bonus miles, unltd free lounge access & green fees
  • Annual fee: S$4,160
  • By invitation only (S$500,000 min. income requirement)
  • 1.6 miles per S$1 locally, 2 miles overseas
  • Receive 150,000 bonus miles w/ each annual renewal
  • Unlimited lounge access, expedited immigration clearance
  • Free bonus night per hotel booking
  • Unlimited free green fees for principal cardholder + companion
Citi Ultima Card is the best ‘by invite only’ card for travellers who love to golf. Cardholders earn 1.6 miles per S$1 locally, 2 miles overseas, and receive 150,000 bonus miles (worth S$1,500) with each card renewal–which, while substantial, only partially offsets the S$4,160 annual fee. Cardholders must earn S$500,000/year to even qualify, so this card is truly limited to the very affluent.


In terms of perks, cardholders receive quite a variety. Principal cardmembers and up to 2 supplementary cardholders receive unlimited lounge access via Priority Pass (though guests are not included), and cardholders receive free meet & greet services and airport transfers with purchase of 1st class or business class air tickets. Cardholders also receive fast-tracked immigration to maximise airport convenience. And, while travelling, cardholders enjoy a free hotel night with every booking within the Visa Luxury Collection.

Additional perks include dining privileges and discounts at top restaurants in Singapore, complimentary Club 21 styling services, and even discounted yacht charters. Citi Ultima Card stands out, however, for its golfing privileges. Cardholders + 1 companion receive unlimited free green fees across 21 courses in SE Asia, plus an additional 3 session for the principal member across a wider span of 280 fairways worldwide. No other card parallels Citi Ultima Card’s golfing perks. Overall, this metal card is best for avid golfers who also want top-notch travel privileges.

Citi Ultima Card
Citi Ultima Card
  • Stand-Out: 150k annual bonus miles, unltd free lounge access & green fees
  • Annual fee: S$4,160
  • By invitation only (S$500,000 min. income requirement)
  • 1.6 miles per S$1 locally, 2 miles overseas
  • Receive 150,000 bonus miles w/ each annual renewal
  • Unlimited lounge access, expedited immigration clearance
  • Free bonus night per hotel booking
  • Unlimited free green fees for principal cardholder + companion
Citi Ultima Card is the best "by invite only" card for travellers who love to golf. Cardholders earn 1.6 miles per S$1 locally, 2 miles overseas, and receive 150,000 bonus miles (worth S$1,500) with each card renewal–which, while substantial, only partially offsets the S$4,160 annual fee. Cardholders must earn S$500,000/year to even qualify, so this card is truly limited to the very affluent.


In terms of perks, cardholders receive quite a variety. Principal cardmembers and up to 2 supplementary cardholders receive unlimited lounge access via Priority Pass (though guests are not included), and cardholders receive free meet & greet services and airport transfers with purchase of 1st class or business class air tickets. Cardholders also receive fast-tracked immigration to maximise airport convenience. And, while travelling, cardholders enjoy a free hotel night with every booking within the Visa Luxury Collection.

Additional perks include dining privileges and discounts at top restaurants in Singapore, complimentary Club 21 styling services, and even discounted yacht charters. Citi Ultima Card stands out, however, for its golfing privileges. Cardholders + 1 companion receive unlimited free green fees across 21 courses in SE Asia, plus an additional 3 session for the principal member across a wider span of 280 fairways worldwide. No other card parallels Citi Ultima Card’s golfing perks. Overall, this metal card is best for avid golfers who also want top-notch travel privileges.

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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