Best Metal Credit Cards in Singapore 2019

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 CardsFeatured For
OCBC Voyage CardBest Overall Metal Credit Card
UOB Lady's Solitaire Metal CardBest Metal Credit Card for Retail Shoppers
UOB Visa Infinite Metal CardBest Direct-Apply Metal Card for Luxury Perks
Citi Ultima Credit CardBest Metal Credit Card for Golfers
American Express Centurion CardBest Metal Credit Card for Luxury Perks
American Express Platinum Reserve CardBest Metal Credit Card for Local Privileges
DBS Insignia Visa Infinite CardBest Metal Credit Card for Hyatt Loyalists

Best Metal Credit Card Overall: 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
  • Earn S$50 rebate w/ card approval

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.’

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  • 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
  • Up to 19% fuel savings with Caltex
  • Annual fee: S$488
  • 1.2 miles per S$1 local spend, 1.6 miles local dining, 2.4 miles overseas
  • Unlimited lounge access, free limo transfers, golfing privileges
  • Free travel insurance & global concierge service
  • Up to 19% fuel savings with Caltex

Best Metal Credit Card for Retail Shoppers: UOB Lady’s Solitaire Metal Card

UOB Lady's Solitaire Metal Card
UOB Lady's Solitaire Metal Card

Consider this if you frequently spend on beauty, travel, dining, family, fashion and entertainment

Annual Income Requirement S$500,000

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.

  • 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
  • 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

Best Direct-Apply Metal Card for Luxury Privileges: UOB Visa Infinite Metal Card

UOB Visa Infinite Metal Card
UOB Visa Infinite Metal Card

Consider this if you want access to elite perks without waiting for an invitation

Annual Income Requirement S$150,000

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.

  • 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
  • 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

Best Metal Card for Golfers: Citi Ultima Card

Citi Ultima Card
Citi Ultima Card

Consider this if you’re an avid golfer and want access to elite travel perks

Annual Income Requirement S$500,000

Citi Ultima Card is the best ‘by invite only’ metal 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.

  • 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
  • Earn miles on taxes, rent, electricity bills, condominium management & school fees w/ Citi PayAll
  • 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
  • Earn miles on taxes, rent, electricity bills, condominium management & school fees w/ Citi PayAll

Best Metal Credit Card for Luxury Perks: American Express Centurion Card

American Express Centurion Card
American Express Centurion Card

Consider this if you’re a high spender willing to pay for extensive luxury perks and privileges

Annual Income Requirement S$500,000

The 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.

  • 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
  • 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

Best Metal Card for Exclusive Memberships in Singapore: American Express Platinum Reserve Card

American Express Platinum Reserve Credit Card
American Express Platinum Reserve Credit Card

Consider this if you want discounts and access to elite clubs and hotels in Singapore

Annual Income Requirement S$150,000
Foreigner Income Requirement S$150,000
Promotions:
  • Free 3D2N stay every year at Frasers Hospitality properties
  • Receive 50,000 Points (27,778 miles) with S$5,000 spend in 1st 6 months

American Express Platinum Reserve Card is one of the more affordable metal cards and unlike competitors, who offer primarily travel-oriented perks, it provides some of the best benefits for luxury within Singapore. Cardholders earn at notably low miles rates–0.69 miles per S$1 general spend and 3.7 miles with select merchants–but Amex Express Platinum Reserve derives nearly all of its value from perks and privileges. In fact, just by signing up you’ll receive a free 3 day 2 night stay at participating Frasers Hospitality properties worldwide, as well as 50,000 points (27,778 miles) after just S$5,000 spend.

Cardholders also enjoy excellent local perks, including access to top dining and nightlife establishments within Singapore. This includes access to the Tower Club Singapore (worth S$1,450/year) as well as a complimentary Far Card Classic Membership (worth S$425). Other privileges include golfing privileges throughout SE Asia and access to a full suite of Amex benefits, including American Express dining privileges. Overall, these benefits more than make up for the S$535 annual fee, which is already much lower than competitor cards–it’s an ideal option for local high spenders seeking luxury.

  • Annual fee: S$535
  • 0.69 miles per S$1 general spend, 3.47 miles with select merchants
  • Free access to Members-only Tower Club Singapore (worth S$1,450/year), Far Card Classic Membership (worth S$425), golfing privileges in SE Asia
  • Full suite of Amex benefits (Amex Selects & Global Dining Program, Amex Chillax nightlife privileges, Live the World curated discounts, Global Assist & 24 Hour Concierge)
  • Free travel insurance & waiver for miles conversion fees
  • Annual fee: S$535
  • 0.69 miles per S$1 general spend, 3.47 miles with select merchants
  • Free access to Members-only Tower Club Singapore (worth S$1,450/year), Far Card Classic Membership (worth S$425), golfing privileges in SE Asia
  • Full suite of Amex benefits (Amex Selects & Global Dining Program, Amex Chillax nightlife privileges, Live the World curated discounts, Global Assist & 24 Hour Concierge)
  • Free travel insurance & waiver for miles conversion fees

Best Metal Card for Hyatt Perks: DBS Insignia Visa Infinite Card

DBS Insignia Visa Infinite Card
DBS Insignia Visa Infinite Card

Consider this if you’re a Hyatt loyalist and value convenience in travel

Annual Income Requirement S$500,000

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.

  • 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
  • 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

Summary of Best Metal Credit Cards 2019

Below, we've prepared a summary of our picks for the best metal credit cards in Singapore for 2019.

CardBest for...Annual Fee
OCBC VoyageAffordable Metal CardS$488
UOB Lady’s Solitaire MetalMetal Card for ShoppingS$588
UOB Visa Infinite MetalDirect-Apply Metal CardS$642
Citi UltimaMetal Card for GolfersS$4,160
Amex CenturionLuxury Metal CardS$7,490
Amex Platinum ReserveMetal Card for Local PrivilegesS$535
DBS Insignia Visa InfiniteMetal Card for Hyatt PerksS$3,210
CardBest for...Annual Fee
OCBC VoyageAffordable Metal CardS$488
UOB Lady’s Solitaire MetalMetal Card for ShoppingS$588
UOB Visa Infinite MetalDirect-Apply Metal CardS$642
Citi UltimaMetal Card for GolfersS$4,160
Amex CenturionLuxury Metal CardS$7,490
Amex Platinum ReserveMetal Card for Local PrivilegesS$535
DBS Insignia Visa InfiniteMetal Card for Hyatt PerksS$3,210

Compare the Best Metal Credit Cards by Dollar Value

The graph below represents the approximate value-to-consumer (in SGD) of the best metal credit cards in Singapore. Dollar values are calculated based on approximate rewards earned with a S$12,000 monthly spend for 2 years. This number varies, however, depending on individual spending habits.

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