Best Air Miles Credit Cards in Singapore 2021

Selecting the ideal travel credit card is dependent on your priorities: rapid miles accrual, luxury perks, or affordable rewards by way of an easy fee-waiver. Our research team analysed the fine print for 100+ credit cards to identify which provide the highest value-to-consumer in each of these areas, making the decision more straightforward for you.

Best Credit Cards for Miles Overall:
Best Miles Credit Cards for Bonus Miles:
Best Miles Credit Cards with No Annual Fee:
Best Miles Credit Cards for Luxury Perks:
  • SC Visa Infinite: 3 miles per S$1 overseas, rewards for tax-pay
  • OCBC Voyage: Flexible miles redemption, boosted rewards for local dining
Best Credit Cards for Miles Overall:
Best Miles Credit Cards for Bonus Miles:
Best Miles Credit Cards with No Annual Fee:
Best Miles Credit Cards for Luxury Perks:
  • SC Visa Infinite: 3 miles per S$1 overseas, rewards for tax-pay
  • OCBC Voyage: Flexible miles redemption, boosted rewards for local dining

Compare Best Miles Credit Cards by Dollar Value

Based on an average monthly spend of S$2,000, we analysed the best miles credit cards on the market to estimate returned value-to-consumer after 2 years, accounting for rebates and netting out annual fees. Below, we discuss our top picks in detail, while also accounting for intangible benefits like free travel insurance and airport lounge access.

A graph displaying how best rewards credit cards compare to one another in terms of their rewards

Best Miles Cards Overall

These miles cards offer both top rewards rates and some of the market's best travel perks. If you're looking for a more detailed look at exactly how many miles you could earn with different cards, try out our credit card RealValue calculator for an instant comparison of all the cards in Singapore.

DBS Altitude Visa: Easy Annual Fee Waiver + Luxury Travel Perks

DBS Altitude Visa Signature Card
DBS Altitude Visa Signature Card
  • Annual fee: S$192.6, 1-year waiver, subsequently with S$25,000 annual spend
  • Alternative: 10,000 bonus miles w/ payment of annual fee
  • 1.2 miles per S$1 locally, 2 miles overseas, 3 miles for online travel bookings
  • Miles earned never expire
  • Free travel insurance, 2x lounge visits, golfing & dining privileges
  • DBS My Preferred Payment Plan (0% interest instalments)
DBS Altitude Visa Card is an excellent card for average spenders who prioritise travel perks, but absolutely do not want to pay a fee for them. Miles are earned at a standard rate–1.2 per S$1 local spend, 2 overseas, 3 for online travel booking. However, cardholders receive an impressive array of travel privileges including free travel insurance, 2 lounge visits per year, golfing privileges in SE Asia, and dining privileges with Visa Foodie Trail. Additionally, miles earned never expire.


The best part of DBS Altitude Card is that with just S$25,000 annual spend, the S$192.6 fee is waived. Travel cards with extensive perks rarely have a fee waiver (including the closest competitor card). Ultimately, if you want to enjoy top privileges with respectable rewards rates, all without paying a fee, DBS Altitude Card is the best option for you.

DBS Altitude Visa Signature Card
DBS Altitude Visa Signature Card
  • Annual fee: S$192.6, 1-year waiver, subsequently with S$25,000 annual spend
  • Alternative: 10,000 bonus miles w/ payment of annual fee
  • 1.2 miles per S$1 locally, 2 miles overseas, 3 miles for online travel bookings
  • Miles earned never expire
  • Free travel insurance, 2x lounge visits, golfing & dining privileges
  • DBS My Preferred Payment Plan (0% interest instalments)
DBS Altitude Visa Card is an excellent card for average spenders who prioritise travel perks, but absolutely do not want to pay a fee for them. Miles are earned at a standard rate–1.2 per S$1 local spend, 2 overseas, 3 for online travel booking. However, cardholders receive an impressive array of travel privileges including free travel insurance, 2 lounge visits per year, golfing privileges in SE Asia, and dining privileges with Visa Foodie Trail. Additionally, miles earned never expire.


The best part of DBS Altitude Card is that with just S$25,000 annual spend, the S$192.6 fee is waived. Travel cards with extensive perks rarely have a fee waiver (including the closest competitor card). Ultimately, if you want to enjoy top privileges with respectable rewards rates, all without paying a fee, DBS Altitude Card is the best option for you.

KrisFlyer UOB Credit Card: High Miles for Young SIA Loyalists

  • 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
People who almost always fly with SIA and tend to travel on a budget should definitely consider KrisFlyer UOB Card. Cardholders earn 1.2 miles per S$1 spend on general local and overseas spend, boosted to 3 miles for spend with SIA brands (SIA, Scoot, SilkAir & KrisShop). Consumers who spend at least S$500 per year with SIA also receive a boost to 3 miles per S$1 on global dining, transport, online shopping and travel bookings. This is especially great for young adults who tend to have higher spend in these categories.


In terms of perks, KF UOB Card provides convenient benefits for those who travel with SIA's budget airline, Scoot. Cardholders enjoy free priority check-in & boarding, baggage allowance upgardes, complimentary standard seat selection and flexible booking waivers. Other perks include a $20 rebate with S$100 nett spend at KrisShop and S$15 vouchers with both Grab (for trips to and from Changi airport) and ChangiWiFi. Higher-spending cardholders can unlock upgraded KF Elite Silver membership with S$5k/yr SIA spend, but in general, KF UOB Card is not the best match for high-earning, luxury-seeking travellers. Still, as an affordable option with a S$192.6 fee–offset by 10,000 annual bons miles (worth S$100)–KrisFlyer UOB Card is ideal for young SIA loyalists who stick to a budget when travelling.

  • 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
People who almost always fly with SIA and tend to travel on a budget should definitely consider KrisFlyer UOB Card. Cardholders earn 1.2 miles per S$1 spend on general local and overseas spend, boosted to 3 miles for spend with SIA brands (SIA, Scoot, SilkAir & KrisShop). Consumers who spend at least S$500 per year with SIA also receive a boost to 3 miles per S$1 on global dining, transport, online shopping and travel bookings. This is especially great for young adults who tend to have higher spend in these categories.


In terms of perks, KF UOB Card provides convenient benefits for those who travel with SIA's budget airline, Scoot. Cardholders enjoy free priority check-in & boarding, baggage allowance upgardes, complimentary standard seat selection and flexible booking waivers. Other perks include a $20 rebate with S$100 nett spend at KrisShop and S$15 vouchers with both Grab (for trips to and from Changi airport) and ChangiWiFi. Higher-spending cardholders can unlock upgraded KF Elite Silver membership with S$5k/yr SIA spend, but in general, KF UOB Card is not the best match for high-earning, luxury-seeking travellers. Still, as an affordable option with a S$192.6 fee–offset by 10,000 annual bons miles (worth S$100)–KrisFlyer UOB Card is ideal for young SIA loyalists who stick to a budget when travelling.

UOB PRVI Miles American Express Card: Rapid Miles, Flexible Redemption

  • 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
If you spend closer to S$50,000/year, UOB PRVI Miles American Express Card is the absolute best way for you to rapidly accrue miles, enjoy perks, and simultaneously avoid an annual fee. Cardholders earn top market rates of 1.4 miles per S$1 locally, 2.4 miles overseas, and 6 miles with all major airlines and hotels, which align with rewards rates offered by the priciest travel cards. UOB PRVI Miles Card, however, provides a waiver for its S$256.8 fee with S$50,000 annual spend–and then awards consumers with an additional 20,000 bonus miles (worth S$200).


UOB PRVI Miles Card even offers a few travel perks, like free airport transfers, travel insurance, and dining privileges with American Express Essentials. Ultimately, however, this card is the best option for above average spenders looking to earn miles at top market rates, without paying top market fees.

  • Stand-Out: Up to 20k bonus miles & fee waiver w/ S$50k annual spend
  • Promotions:
  • Read Our Full Review
  • 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
If you spend closer to S$50,000/year, UOB PRVI Miles American Express Card is the absolute best way for you to rapidly accrue miles, enjoy perks, and simultaneously avoid an annual fee. Cardholders earn top market rates of 1.4 miles per S$1 locally, 2.4 miles overseas, and 6 miles with all major airlines and hotels, which align with rewards rates offered by the priciest travel cards. UOB PRVI Miles Card, however, provides a waiver for its S$256.8 fee with S$50,000 annual spend–and then awards consumers with an additional 20,000 bonus miles (worth S$200).


UOB PRVI Miles Card even offers a few travel perks, like free airport transfers, travel insurance, and dining privileges with American Express Essentials. Ultimately, however, this card is the best option for above average spenders looking to earn miles at top market rates, without paying top market fees.

American Express Singapore Airlines Krisflyer Card: Easy Welcome Miles

  • Earn rewards for SIA spend, no transfer fees or processing times
  • Promotions: New to Bank applicants will receive a complimentary 1 Night stay at Andaz Singapore with Breakfast for 2 and 5,000 bonus miles with S$3,000 spend within first 3 months of Card approval and receive 5,000 bonus miles.
  • Read Our Full Review
  • Annual fee: S$176.55, 1-year waiver
  • 1.1 miles per S$1 local & overseas spend, 2 mi overseas in June & December only
  • 2 miles per S$1 spend on SingaporeAir online & app, SilkAir, KrisShop in-flight & online
  • 3.1 miles per S$1 spend on Grab transactions (up to 620 mi/mo)
  • Free travel insurance
  • Hertz Gold Plus Rewards & Amex Selects Privileges
If you're interested in applying for your first miles credit card and tend to fly with SIA, you may want to consider American Express Singapore Airlines KrisFlyer Card. Cardholders earn 1.1 miles per S$1 on general spend (2 miles overseas in June & December), 2 miles with SingaporeAir, SilkAir and KrisShop, and 3.1 miles on Grab rides (up to 620 mi/mo). Rewards are earned directly as KrisFlyer miles, which are credited to the consumer's frequent flyer loyalty account. This is great because cardholders never have to worry about conversion rates, transfer fees or lengthy processing times. Amex SIA KF Card is also quite affordable with a S$176.55 fee, waived the first year. Overall, if you prefer taking SIA flights and want a straightforward miles card, this could be the option for you.
  • Stand-Out: Earn rewards for SIA spend, no transfer fees or processing times
  • Promotions: New to Bank applicants will receive a complimentary 1 Night stay at Andaz Singapore with Breakfast for 2 and 5,000 bonus miles with S$3,000 spend within first 3 months of Card approval and receive 5,000 bonus miles.
  • Read Our Full Review
  • Annual fee: S$176.55, 1-year waiver
  • 1.1 miles per S$1 local & overseas spend, 2 mi overseas in June & December only
  • 2 miles per S$1 spend on SingaporeAir online & app, SilkAir, KrisShop in-flight & online
  • 3.1 miles per S$1 spend on Grab transactions (up to 620 mi/mo)
  • Free travel insurance
  • Hertz Gold Plus Rewards & Amex Selects Privileges
If you're interested in applying for your first miles credit card and tend to fly with SIA, you may want to consider American Express Singapore Airlines KrisFlyer Card. Cardholders earn 1.1 miles per S$1 on general spend (2 miles overseas in June & December), 2 miles with SingaporeAir, SilkAir and KrisShop, and 3.1 miles on Grab rides (up to 620 mi/mo). Rewards are earned directly as KrisFlyer miles, which are credited to the consumer's frequent flyer loyalty account. This is great because cardholders never have to worry about conversion rates, transfer fees or lengthy processing times. Amex SIA KF Card is also quite affordable with a S$176.55 fee, waived the first year. Overall, if you prefer taking SIA flights and want a straightforward miles card, this could be the option for you.

OCBC 90°N Card: Miles + Cashback Rewards for the Affluent

OCBC 90°N Card
OCBC 90°N Card
  • Annual fee: S$192.6, 1-year waiver
  • Renewal bonus: 10,000 Travel$ (worth 10,000 miles or S$100)
  • Miles Option: 1.2 miles per S$1 locally, 2.1 miles overseas
  • Cashback Option: 1.2% rebate locally, 2.1% overseas
  • No conversion fees & rewards never expire
  • Access to Mastercard Airport Experiences
If you're a high spender who wants to seamlessly maximise both miles and cashback rewards, OCBC 90°N Card may be the right card for you. Cardholders earn in Travel$, which can each be redeemed for 1 air mile or S$0.01 cash rebate. Therein, every S$1 spend earns 1.2 miles (or 1.2% cashback) locally and 2.1 miles (2.1% cashback) overseas. This overseas miles rate is 0.1 miles higher than the market norm. As cashback, the 2.1% unlimited rebate rate is higher than that offered by any other unlimited alternative. Regardless of earning preference, points earned can be redeemed for miles or cashback at an equal conversion rate, which is rare (most cards weaken redemption value for cashback). Cardholders also never have to pay conversion fees and rewards never expire.


In terms of perks, cardholders also receive 10,000 bonus Travel$ every year–equal to 10,000 air miles or S$100 cash rebate–which offsets the S$192.6 annual fee. Other privileges include discounted access to lounges worldwide through Mastercard Airport Experiences. OCBC 90°N Card is ultimately a great option for high spenders primarily interested in cashback, but who also want the option to earn miles rewards for their purchases.

OCBC 90°N Card
OCBC 90°N Card
  • Annual fee: S$192.6, 1-year waiver
  • Renewal bonus: 10,000 Travel$ (worth 10,000 miles or S$100)
  • Miles Option: 1.2 miles per S$1 locally, 2.1 miles overseas
  • Cashback Option: 1.2% rebate locally, 2.1% overseas
  • No conversion fees & rewards never expire
  • Access to Mastercard Airport Experiences
If you're a high spender who wants to seamlessly maximise both miles and cashback rewards, OCBC 90°N Card may be the right card for you. Cardholders earn in Travel$, which can each be redeemed for 1 air mile or S$0.01 cash rebate. Therein, every S$1 spend earns 1.2 miles (or 1.2% cashback) locally and 2.1 miles (2.1% cashback) overseas. This overseas miles rate is 0.1 miles higher than the market norm. As cashback, the 2.1% unlimited rebate rate is higher than that offered by any other unlimited alternative. Regardless of earning preference, points earned can be redeemed for miles or cashback at an equal conversion rate, which is rare (most cards weaken redemption value for cashback). Cardholders also never have to pay conversion fees and rewards never expire.


In terms of perks, cardholders also receive 10,000 bonus Travel$ every year–equal to 10,000 air miles or S$100 cash rebate–which offsets the S$192.6 annual fee. Other privileges include discounted access to lounges worldwide through Mastercard Airport Experiences. OCBC 90°N Card is ultimately a great option for high spenders primarily interested in cashback, but who also want the option to earn miles rewards for their purchases.

Best Credit Card for Bonus Miles

These cards stand out for their exceptional–and accessible–welcome offers & bonus miles.

American Express Singapore Airlines Krisflyer Ascend Card: Exclusive Travel Memberships

  • Annual fee: S$337.05
  • 1.2 miles per S$1 local & overseas spend, 2 miles overseas in June & December only
  • 2 miles per S$1 spend on SingaporeAir online & app, SilkAir, KrisShop in-flight & online
  • 3.2 miles per S$1 spend on Grab transactions (up to 640 mi/mo)
  • 4 free lounge visits/year, free annual hotel night, travel insurance
  • Access to Hilton Honors Silver & Krisflyer Elite Gold status
American Express Singapore Airlines KrisFlyer Ascend Card offers far more than excellent welcome bonuses–it also provides competitive rates and top-notch travel perks, for a moderate S$337.05 annual fee. Consumers earn 1.2 miles per S$1 general spend, 2 miles with SIA brands and overseas in June & December, and 3.2 miles on Grab transactions.


These rates make it fairly easy to earn miles in day-to-day life, which is then complemented by great benefits when cardholders decide to travel. Perks include 4 free lounge visits/year, 1 free annual hotel stay, and free travel insurance. As a more unique feature, cardholders have access to exclusive membership upgrades to Hilton Honors Silver, KrisFlyer Elite Gold, and Hertz Gold Plus. There benefits allow consumers to enjoy a fuller luxury experience, moving beyond perks that are typically just limited to airport travel. Ultimately, Amex SIA KF Ascend Card is a great option for people who want competitive rates balanced with top-notch luxury benefits.

  • Stand-Out: Access to Hilton Honors Silver & Krisflyer Elite Gold status
  • Promotions:
  • Read Our Full Review
  • Annual fee: S$337.05
  • 1.2 miles per S$1 local & overseas spend, 2 miles overseas in June & December only
  • 2 miles per S$1 spend on SingaporeAir online & app, SilkAir, KrisShop in-flight & online
  • 3.2 miles per S$1 spend on Grab transactions (up to 640 mi/mo)
  • 4 free lounge visits/year, free annual hotel night, travel insurance
  • Access to Hilton Honors Silver & Krisflyer Elite Gold status
American Express Singapore Airlines KrisFlyer Ascend Card offers far more than excellent welcome bonuses–it also provides competitive rates and top-notch travel perks, for a moderate S$337.05 annual fee. Consumers earn 1.2 miles per S$1 general spend, 2 miles with SIA brands and overseas in June & December, and 3.2 miles on Grab transactions.


These rates make it fairly easy to earn miles in day-to-day life, which is then complemented by great benefits when cardholders decide to travel. Perks include 4 free lounge visits/year, 1 free annual hotel stay, and free travel insurance. As a more unique feature, cardholders have access to exclusive membership upgrades to Hilton Honors Silver, KrisFlyer Elite Gold, and Hertz Gold Plus. There benefits allow consumers to enjoy a fuller luxury experience, moving beyond perks that are typically just limited to airport travel. Ultimately, Amex SIA KF Ascend Card is a great option for people who want competitive rates balanced with top-notch luxury benefits.

Standard Chartered Visa Infinite X: Best Sign-On Bonus for High Income

Standard Chartered Visa Infinite X Credit Card
Standard Chartered Visa Infinite X Credit Card
  • Receive S$6,000 cash reward for investing w/ SC Bank
  • Promotions: New cardholders receive 30,000 miles at sign-up (75,000 360 Rewards Points) (until Dec 31, 2021)
  • Read Our Full Review
  • 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
If you're a high-income traveller open to banking with Standard Chartered, you may want to consider Standard Chartered Visa Infinite X Card. Cardholders who place S$300k in fresh funds in a Priority Banking Account within the 1st 3 months receive a substantial 100,000 KrisFlyer miles welcome bonus–worth S$10k when redeemed for business class tickets. Those who can invest even greater amounts can benefit even further: placing S$800k receives a 150,000 miles bonus (worth S$15k) and Priority Private Banking customers who place S$1.5m receive an astounding 300,000 miles (worth S$30k). As apparent, these welcome bonuses are most attractive to very affluent individuals who can afford to make such investments.


All cardholders, however, can enjoy perks like free travel insurance, 2 complimentary lounge visits/year, discounted green fees and hotel privileges. Local spending earns 1.2 miles per S$1, and spend overseas earns 2 miles per S$1. It's worth mentioning that these features are not particularly competitive, especially for a luxury card. Even more, the S$695.5 annual fee is amongst the highest on the market. Nonetheless, very wealthy individuals who can take advantage of the sign-on bonus can more than recoup this cost in upfront rewards earnings. For such affluent travellers, SC Visa Infinite X Card offers a great way to immediately maximise miles with little extra effort.

Standard Chartered Visa Infinite X Credit Card
Standard Chartered Visa Infinite X Credit Card
  • Stand-Out: Receive S$6,000 cash reward for investing w/ SC Bank
  • Promotions: New cardholders receive 30,000 miles at sign-up (75,000 360 Rewards Points) (until Dec 31, 2021)
  • Read Our Full Review
  • 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
If you're a high-income traveller open to banking with Standard Chartered, you may want to consider Standard Chartered Visa Infinite X Card. Cardholders who place S$300k in fresh funds in a Priority Banking Account within the 1st 3 months receive a substantial 100,000 KrisFlyer miles welcome bonus–worth S$10k when redeemed for business class tickets. Those who can invest even greater amounts can benefit even further: placing S$800k receives a 150,000 miles bonus (worth S$15k) and Priority Private Banking customers who place S$1.5m receive an astounding 300,000 miles (worth S$30k). As apparent, these welcome bonuses are most attractive to very affluent individuals who can afford to make such investments.


All cardholders, however, can enjoy perks like free travel insurance, 2 complimentary lounge visits/year, discounted green fees and hotel privileges. Local spending earns 1.2 miles per S$1, and spend overseas earns 2 miles per S$1. It's worth mentioning that these features are not particularly competitive, especially for a luxury card. Even more, the S$695.5 annual fee is amongst the highest on the market. Nonetheless, very wealthy individuals who can take advantage of the sign-on bonus can more than recoup this cost in upfront rewards earnings. For such affluent travellers, SC Visa Infinite X Card offers a great way to immediately maximise miles with little extra effort.

Best Air Miles Cards with No Annual Fee

Travel cards are typically quite expensive; these options are competitive but also affordable.

HSBC Revolution: Miles for Online & Social Spend

HSBC Revolution Credit Card
HSBC Revolution Credit Card
  • Annual fee: S$160.5, 2-year waiver, subsequently with S$12,500 annual spend
  • 2 miles per S$1 spend on local dining & entertainment, online spend (unlimited)
  • Online rate includes travel bookings, recurring bills & transit payments
  • No minimum spend requirement
Are you a social spender with a high dining and entertainment budget, looking for miles–even if you have a mostly local budget? HSBC Revolution Card is the absolute best way to earn for your outgoing lifestyle, as well as on essentials through online spend. Cardholders earn 2 miles per S$1 on local dining & entertainment, as well as on online payments–including recurring bills, travel bookings, and even transit. Most cards exclude these from earning rewards. In addition, cardholders can avoid paying the S$160.5 fee with just S$12,500 annual spend. HSBC Revolution Card is an exceptional option if you want to earn easy no-fee miles at home.
HSBC Revolution Credit Card
HSBC Revolution Credit Card
  • Annual fee: S$160.5, 2-year waiver, subsequently with S$12,500 annual spend
  • 2 miles per S$1 spend on local dining & entertainment, online spend (unlimited)
  • Online rate includes travel bookings, recurring bills & transit payments
  • No minimum spend requirement
Are you a social spender with a high dining and entertainment budget, looking for miles–even if you have a mostly local budget? HSBC Revolution Card is the absolute best way to earn for your outgoing lifestyle, as well as on essentials through online spend. Cardholders earn 2 miles per S$1 on local dining & entertainment, as well as on online payments–including recurring bills, travel bookings, and even transit. Most cards exclude these from earning rewards. In addition, cardholders can avoid paying the S$160.5 fee with just S$12,500 annual spend. HSBC Revolution Card is an exceptional option if you want to earn easy no-fee miles at home.

Maybank Horizon Visa Signature: Top Miles for Local Spend

  • Market-leading 3.2 mi/S$1 local dining & transport spend
  • Promotions: Get Garmin vivomove Style worth S$469 spend S$300 for each of the 2 consecutive months upon approval
  • Read Our Full Review
  • Annual fee: S$180.0, 3-year waiver, subsequently with S$18,000 annual spend
  • 3.2 miles per S$1 local spend on dining, petrol, taxis, Grab & hotel bookings with Agoda
  • 2 miles per S$1 spend on air tickets, travel packages & foreign currency transactions
  • Up to 17.2% fuel savings on petrol in Singapore
  • Access to airport lounges & free travel insurance
If you spend most of your budget locally but still want to earn miles for vacations and overseas spend, Maybank Horizon Visa Signature Card is likely the best card for you. Cardholders earn an incredible 3.2 miles per S$1 local spend on dining, petrol, taxis & Grab, and hotel bookings with Agoda–compared to 1.2 miles to 1.4 miles for most alternatives. Overseas rates are also high, aligned with most competitors–2 miles per S$1 spend on air tickets, travel packages and foreign currency transactions.


Maybank Horizon Card is also extremely accessible. The S$180.0 fee is waived 3 years, and subsequently with just S$18,000 annual spend (S$1,500/month). Ultimately, this is one of the only miles cards on the market with significant rewards for both local and travel spend, and that even provides a few perks–free travel insurance and airport lounge access. If you balance your time and budget locally and overseas, and want to maximise earning wherever you are, Maybank Horizon Card is the answer.

  • Stand-Out: Market-leading 3.2 mi/S$1 local dining & transport spend
  • Promotions: Get Garmin vivomove Style worth S$469 spend S$300 for each of the 2 consecutive months upon approval
  • Read Our Full Review
  • Annual fee: S$180.0, 3-year waiver, subsequently with S$18,000 annual spend
  • 3.2 miles per S$1 local spend on dining, petrol, taxis, Grab & hotel bookings with Agoda
  • 2 miles per S$1 spend on air tickets, travel packages & foreign currency transactions
  • Up to 17.2% fuel savings on petrol in Singapore
  • Access to airport lounges & free travel insurance
If you spend most of your budget locally but still want to earn miles for vacations and overseas spend, Maybank Horizon Visa Signature Card is likely the best card for you. Cardholders earn an incredible 3.2 miles per S$1 local spend on dining, petrol, taxis & Grab, and hotel bookings with Agoda–compared to 1.2 miles to 1.4 miles for most alternatives. Overseas rates are also high, aligned with most competitors–2 miles per S$1 spend on air tickets, travel packages and foreign currency transactions.


Maybank Horizon Card is also extremely accessible. The S$180.0 fee is waived 3 years, and subsequently with just S$18,000 annual spend (S$1,500/month). Ultimately, this is one of the only miles cards on the market with significant rewards for both local and travel spend, and that even provides a few perks–free travel insurance and airport lounge access. If you balance your time and budget locally and overseas, and want to maximise earning wherever you are, Maybank Horizon Card is the answer.

Best Air Miles Cards for Luxury Perks

These miles cards offer luxurious, exclusive perks that make travel all the more comfortable.

Standard Chartered Visa Infinite: Exclusive Privileges for Business Travellers

Standard Chartered Visa Infinite Credit Card
Standard Chartered Visa Infinite Credit Card
  • Annual fee: S$588.5
  • 1.4 miles per S$1 local spend, 3 miles overseas (S$2,000 min spend)
  • 35,000 welcome miles (worth S$350)
  • Tax payments are eligible for rewards points
  • Free travel insurance, 6x lounge access, 1 free 4hr yacht hire
  • Hertz Asia Privileges, Golfing/Dining/Hotel Privileges
If you’re an affluent business traveller, look no further than Standard Chartered Visa Infinite Card. Cardholders not only enjoy top market rates–1.4 miles per S$1 local spend, 3 miles overseas–they also have access to a wide range of luxury perks. From free yacht hires, airport lounge access (6x/year), and travel insurance to golfing, dining, and Hertz Asia privileges, consumers can travel in comfort while rapidly accruing miles.


SC Visa Infinite is already a fantastic card, but what makes it unique is that it also rewards banking activity. All cardholders can earn rewards by paying their income tax through the card, and SC Banking customers can also earn on their savings accounts, mortgage loans, fixed deposits, investments and more. Few cards offer such a rewards structure, and while the S$588.5 fee is high, it’s easily made up for in total value-to-consumer. Ultimately, if you’re a frequent business traveller, SC Visa Infinite Card may well be your best option.

Standard Chartered Visa Infinite Credit Card
Standard Chartered Visa Infinite Credit Card
  • Annual fee: S$588.5
  • 1.4 miles per S$1 local spend, 3 miles overseas (S$2,000 min spend)
  • 35,000 welcome miles (worth S$350)
  • Tax payments are eligible for rewards points
  • Free travel insurance, 6x lounge access, 1 free 4hr yacht hire
  • Hertz Asia Privileges, Golfing/Dining/Hotel Privileges
If you’re an affluent business traveller, look no further than Standard Chartered Visa Infinite Card. Cardholders not only enjoy top market rates–1.4 miles per S$1 local spend, 3 miles overseas–they also have access to a wide range of luxury perks. From free yacht hires, airport lounge access (6x/year), and travel insurance to golfing, dining, and Hertz Asia privileges, consumers can travel in comfort while rapidly accruing miles.


SC Visa Infinite is already a fantastic card, but what makes it unique is that it also rewards banking activity. All cardholders can earn rewards by paying their income tax through the card, and SC Banking customers can also earn on their savings accounts, mortgage loans, fixed deposits, investments and more. Few cards offer such a rewards structure, and while the S$588.5 fee is high, it’s easily made up for in total value-to-consumer. Ultimately, if you’re a frequent business traveller, SC Visa Infinite Card may well be your best option.

OCBC Voyage: Flexible Redemption + Boosted Miles for Diners

  • 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
OCBC Voyage Card is the market’s best travel card for flexibility in miles redemption, paired with a boosted rewards rate for local dining spend. Cardholders earn 1.2 miles locally and 2.3 miles overseas, which are fairly standard, but they also earn an elevated 1.6 miles on local dining–a feature unique to this card. This card is unique in that it provides the highest flexibility around miles redemption, with no black-out dates and minimal processing time. Consumers with shifting travel schedules can worry less about pre-planning and can earn at a higher rate when at home.


It’s worth pointing out that OCBC Voyage Card approval requires a S$120,000 annual salary, and there’s a S$488 fee. While this may seem daunting to some, this card is most likely to benefit the very affluent. Consumers spending S$8,000+ and who spend more time locally than overseas can easily maximise miles earnings. And, when travelling, they can also enjoy card perks like unlimited lounge access, free limo transfers, and golfing privileges across SE Asia. OCBC Voyage Card is the best option for affluent consumers with irregular travel schedules.

  • 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
OCBC Voyage Card is the market’s best travel card for flexibility in miles redemption, paired with a boosted rewards rate for local dining spend. Cardholders earn 1.2 miles locally and 2.3 miles overseas, which are fairly standard, but they also earn an elevated 1.6 miles on local dining–a feature unique to this card. This card is unique in that it provides the highest flexibility around miles redemption, with no black-out dates and minimal processing time. Consumers with shifting travel schedules can worry less about pre-planning and can earn at a higher rate when at home.


It’s worth pointing out that OCBC Voyage Card approval requires a S$120,000 annual salary, and there’s a S$488 fee. While this may seem daunting to some, this card is most likely to benefit the very affluent. Consumers spending S$8,000+ and who spend more time locally than overseas can easily maximise miles earnings. And, when travelling, they can also enjoy card perks like unlimited lounge access, free limo transfers, and golfing privileges across SE Asia. OCBC Voyage Card is the best option for affluent consumers with irregular travel schedules.

Learn More About Selecting the Best Credit Card for You


No doubt you have seen an uncountable number of promotional phrases like "5% cash back," "3 miles on all dining and restaurant bills," and so on. Miles, cash back, and points are omnipresent when it comes to credit card offers. It may be difficult sifting through hundreds of offers without a deep understanding of what these things do and what they are ultimately worth. In this guide, we will help you to get a firm grasp of these concepts and effectively compare them to decide which type of card is best for you.

Cashback, Points and Miles: What's the Difference?: Rewards credit cards provide either cashback, points or miles when you use the card to make a payment. The biggest difference among these benefits is the flexibility they provide to consumers.

Points can be redeemed for different prizes and services at designated locations, and exact worth of points depends on the card issuer. While points generally function similar to coupons and discounts (effectively similar to cashback), many award programs allow easy conversion of points into miles.

Miles can be redeemed for flight tickets at various airlines designated by the card issuer, and generally are worth somewhere between S$0.01 to S$0.08 depending on how you redeem them: the longer and more expensive the flight, the higher the value of a mile. Most mile programs allow easy transfer to a number of airlines and hotel chains. Most people will likely redeem miles at conversion rate of around S$0.01 per mile.

Cash back rewards are the most flexible and straightforward to understand. These cards simply rebates a certain percentage of expenditures back to the consumer, often in the form of statement credits.

Who Should Prefer Miles Over Cashback?: Whether your credit card collects you frequent flyer miles or cashback, you have to keep in mind that they are worth nothing unless you redeem them. While these cards accumulate awards automatically, they benefit you without your effort. This is especially important to remember in case they expire. Before you decide on a miles card, make sure you actually have occasions to use the miles (or points). In that regard, the first thing you should consider when deciding between Award Miles and Cashback much you value free air tickets. If you travel often, earning miles may have a more positive impact on your finances than earning cashback.

Also, you should also bear in mind how the value of a mile varies depending on the price of the flight tickets: short-haul economy flights tend to be worth less than 1 cent per mile, medium-haul economy awards are worth around 1 cent per mile, and business class seats are worth more than 3 cents per mile. If you have a reasonable number of opportunities to redeem miles at or above 1 cent per mile, mile awards cards tend to be quite valuable.

How to Compare Rewards Rates of Miles and Cashback Cards: In order to accurately compare different credit cards types, you must determine their rewards rates. This rate, often presented as a percentage, represents a card’s efficiency – how much value does it give you back given the amount of money you spend? For instance, if one card gives me 8% of my bill in rebate, while another gives me just 5%, I would always prefer the former. Cashback cards have clear and explicit rewards rate, but miles cards or point cards do not. We have to calculate the rewards rate in those cases.

The most important step in calculating a credit card’s rewards rate is figuring out the worth of its miles or points. First, you must figure out how many points (or points) are needed to redeem for a certain prize. Dividing the dollar value of that prize by the number of points needed yields the value of dollars per point (or mile). Multiplying this figure by the number of points (or miles) you get per S$100 spent results in the rewards rate. Miles are somewhat easier than points, because most mile programs are convertible to one another 1 mile for 1 mile. We have done our own analysis which indicates that most miles are valued around 1 cent or higher. On the other hand, value of points will differ depending on the issuing bank's policies.

Lastly, each card will offer different rewards rate for different areas of expenditure. For example, some cards will reward 4 miles per S$1 on dining, but will only yield 1 mile on other expenses. Once you understand how your typical monthly expenses are distributed across different categories, you can apply the aforementioned principle to calculate how much award you can earn from any given card.

Doing this analysis for each card can help you effectively evaluate which card will result in the highest benefits for your budget.


Besides earning airline miles, many credit cards can also provide great travel perks. Some of those include free access to airport lounges, complimentary travel insurance, and even free limousine transfers to the airport. Sadly, some people are not even aware of these perks and forget to utilise them fully. These travel perks are very valuable not only in terms of monetary value, but also in terms of the amount of physical and psychological comfort they can bring to your trips that can often be quite exhausting. You can read our analyses for the best air miles credit cards that provide free airport transfers, airport lounge priority pass lounge access and complimentary travel insurance.

Additional Resources

Looking for more information? Use our free resources below on any questions you may have regarding credit cards in Singapore.

Zoryana Melesh

Zoryana is a Senior Research Analyst at ValueChampion, who focuses on evaluating credit cards, savings and fixed deposits in Singapore. She holds a BA in Political Science and an MPA in International Finance and Economic Policy, both from Columbia University. Prior to joining ValueChampion, Zoryana worked in treasury management consulting.