Best Air Miles Credit Cards 2019

Everyone's spending habits are different, and there's a card to match your exact needs. Our team reviewed and compared 100+ options to come up with the best airline miles credit cards – based on the value of rewards, miles and bonuses they provide. Use our reviews below to compare the best credit card for miles in Singapore today.

Best Credit Cards for Earning Air Miles
Best OverallCiti PMV21,000 welcome miles & 10,000 renewal miles, lounge access
UOB PRVI MilesFee-Waiver & 20,000 bonus miles, 2.4 miles per $1 overseas
Bonus MilesAmex SIA KFUp to 13,000 bonus miles & S$150 SIA credit within 1st 3 months
Luxury PerksCiti PrestigeUnlimited lounge access, free hotel nights & more
OCBC VoyageElite perks w/ hassle free, no-fee miles redemption
No FeeMB HorizonMarket-leading 3.2 miles per S$1 on local food & transport
HSBC Revolution2 miles per S$1 online spend (inc. transit, insurance premiums)
DBS AltitudeTravel insurance, lounge access & more, with fee-waiver

Best Overall Air Miles Cards

Air miles cards are excellent for travellers because they frequently reward overseas spend and come with special travel privileges. The following cards are some of the best overall options on the market for travellers at different spend points.

Best Miles Card for Affordable Perks: Citi PremierMiles Visa Card

Consider this if you are an average consumer who wants a balance of generous mile awards and other travel perks

Annual Income Requirement S$30,000
Foreigner Income Requirement S$42,000
Promotions:
  • 21,000 bonus miles after paying 1st annual fee and spending S$7,500
  • Earn up to 10 miles per S$1 spend on hotel bookings at Kaligo

If you’re an average consumer looking for a well-rounded, accessible travel card, Citi PremierMiles Visa Card is one of the best options available. Not only do cardholders earn very respectable rewards rates–1.2 miles per S$1 spend locally, 2 miles overseas–they also receive perks often limited to pricier cards, like 2 free lounge visits per year.

Citi PMV Card does have an annual fee of S$192.6, waived 1 year only. However, this is lower than most alternatives, and is offset by 10,000 annual renewal miles (worth S$100). New cardholders also receive 21,000 welcome miles (worth S$210), and no-fee cards rarely come with so many bonuses. Ultimately, Citi PMV Card offers great rewards rates, perks, and bonus miles, without sky-high fees–perfect for the average consumer.

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  • Annual fee: S$192.6, 1-year waiver
  • 10,000 bonus annual renewal miles (worth S$100)
  • 1.2 miles per S$1 local spend, 2 miles overseas
  • 2 free lounge visits & free travel insurance
  • Earn miles on taxes, rent, electricity bills, condominium management & school fees w/ Citi PayAll
  • Up to 14% fuel savings at Esso & Shell
  • Annual fee: S$192.6, 1-year waiver
  • 10,000 bonus annual renewal miles (worth S$100)
  • 1.2 miles per S$1 local spend, 2 miles overseas
  • 2 free lounge visits & free travel insurance
  • Earn miles on taxes, rent, electricity bills, condominium management & school fees w/ Citi PayAll
  • Up to 14% fuel savings at Esso & Shell

Best Travel Card for Rapid Miles Accumulation: UOB PRVI Miles American Express Card

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

Annual Income Requirement S$30,000
Foreigner Income Requirement S$40,000
Promotions:
  • Receive up to S$150 cashback with S$1,500 spend in 1st month
  • Earn up to 3mi per S$1 spend on Klook
  • Earn up to S$10 rebate on contactless payments

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 10 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.

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  • Annual fee: S$256.8, 1-year waiver, subsequently with S$50,000 annual spend
  • 20,000 bonus annual renewal miles (worth S$200) with S$50,000 annual spend
  • 1.4 miles per S$1 local spend, 2.4 miles overseas, 10 miles at major airlines & airports
  • 8 free limo transfers & free travel insurance
  • UOB PRVI Travel Butler & Amex Essentials
  • Annual fee: S$256.8, 1-year waiver, subsequently with S$50,000 annual spend
  • 20,000 bonus annual renewal miles (worth S$200) with S$50,000 annual spend
  • 1.4 miles per S$1 local spend, 2.4 miles overseas, 10 miles at major airlines & airports
  • 8 free limo transfers & free travel insurance
  • UOB PRVI Travel Butler & Amex Essentials

Best Card for Bonus Miles: Amex Singapore Airlines KrisFlyer Card

Consider this if you want to easily earn welcome bonus miles and fly mostly on Singapore Airlines’ various brands

Annual Income Requirement S$30,000
Foreigner Income Requirement S$60,000
Promotions:
  • Spend S$5k within the 1st 3mo, receive 7,500 bonus miles
  • 1,500 KrisFlyer Miles each for the first two approved supplementary cards
  • S$150 Cashback for use with Singapore Airlines when you spend S$12,000

If earning easy bonus miles sounds attractive to you, American Express Singapore Airlines KrisFlyer Card is by far the best card to consider. Consumers immediately begin earning bonuses. After their first charge, cardholders receive 5,000 miles. Then, with S$5,000 spend in the first 3 months, they can earn up to 7,500 bonus miles. In addition, cardholders receive S$150 credit to Singapore Airlines after S$12,000 spend. Consumers can also earn bonuses by applying for supplementary cards and referring friends.

Amex SIA KF Card is also the easiest-to-use miles card on the market. Spend is rewarded with KrisFlyer Miles, directly credited to the cardholder’s frequent flyer account. There are no conversions or transfer fees. In terms of rewards, S$1 general spend earns 1.1 miles (2 miles overseas in June & December) and spend with SingaporeAir, SilkAir and KrisShop earns 2 miles. As an added bonus, spend with select merchants (Grab, Foodpanda, Subway & more) earns 3.1 miles per S$1, and the first Grab booking earns 500 bonus miles. Ultimately, if you’re looking for a miles card with great promotions, Amex SIA KF Card is for you.

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  • Annual fee: S$176.55, 1-year waiver
  • 1.1 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
  • 3.1 miles per S$1 spend with select merchants (Grab, Deliveroo, Starbucks & more)
  • Free travel insurance
  • Hertz Gold Plus Rewards & Amex Selects Privileges
  • Annual fee: S$176.55, 1-year waiver
  • 1.1 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
  • 3.1 miles per S$1 spend with select merchants (Grab, Deliveroo, Starbucks & more)
  • Free travel insurance
  • Hertz Gold Plus Rewards & Amex Selects Privileges

Best Air Miles Cards for Luxury Perks

The very best miles cards offer both luxury travel perks and high rates to maximise earnings on overseas spend. We’ve selected the following cards because they also have a few stand-out features that make them even more appealing to higher spenders.

Best Miles Card for Elite Travel Privileges: Citi Prestige MasterCard

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

Annual Income Requirement S$120,000
Foreigner Income Requirement S$120,000
Promotions:
  • Welcome gift of 25,000 miles upon card approval
  • Earn up to 10 miles per S$1 spend on hotel bookings at Kaligo

Citi Prestige MasterCard’s luxury travel perks are unparallelled, making it the best miles card on the market for those seeking the ultimate travel experience. To begin with, cardholders enjoy unlimited free airport lounge access for themselves and a guest–many cards have minimum spend requirements, limits to number of visits, and extra charges for guests. In addition, Citi Prestige Card provides access to JetQuay, free limo transfers, bonus nights at hotels worldwide, and golfing privileges throughout SE Asia. Cardholders also enjoy exclusive dining and lifestyle privileges through Citi Prestige Concierge and MasterCard World Elite.

As if that weren’t enough, Citi Prestige Card also offers excellent rewards rates. Consumers earn 1.3 miles per S$1 local spend and 2 miles overseas. Cardholders also receive 25,000 bonus miles annually, plus an annual bonus based on the tenure of their relationship with Citibank. While there’s a S$535 fee, it’s offset by bonuses and top rates. Citi Prestige Card is the ultimate option for luxury perks, combined with excellent earning potential.

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

Best Card for Flexible Miles Redemption: 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:
  • Earn S$50 rebate w/ card approval
  • Up to 7% off worldwide hotel bookings with Agoda

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 2.4 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.

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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 Air Miles Cards with No Annual Fee

Air miles cards are often known for luxury perks and privileges, but these often come with annual fees of S$400+. We’ve identified several cards with excellent rewards rates that allow you to earn miles and enjoy perks while avoiding extreme fees.

Best Card for Earning Miles Locally: Maybank Horizon Visa Siganture Card

Consider this if you want to maximise miles earned on dining and petrol

Annual Income Requirement S$50,000
Foreigner Income Requirement S$60,000
Promotions:
  • Receive free American Tourister Luggage w/ S$300 monthly spend for 2mo (req. both card + Creditable applications)

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.

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  • 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
  • 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

Best No-Fee Miles Card for Social & Online Spenders: HSBC Revolution Card

Consider this if you spend mostly on shopping, dining and entertainment

Annual Income Requirement S$30,000
Foreigner Income Requirement S$40,000
Promotions:
  • Receive Samsonite T5 68cm Spinner luggage or S$150 cashback

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.

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  • 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
  • Up to 16% fuel savings with Caltex, 14% with Shell
  • 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
  • Up to 16% fuel savings with Caltex, 14% with Shell

Best No-Fee Miles Card for Luxury Perks: DBS Altitude Visa Card

DBS Altitude Visa Signature Card
DBS Altitude Visa Signature Card

Consider this if you want a good miles credit card with an easily waived annual fee

Annual Income Requirement S$30,000
Foreigner Income Requirement S$45,000
Promotions:
  • Receive up to 10,000 welcome miles with S$6,000 spend
  • Earn up to 4mi/S$1 spend on commute, 2.4mi at Esso
  • Up to 10 miles per S$1 spend with Kaligo, 6 miles with Expedia

DBS Altitude Visa Card is the best card for average spenders who prioritise travel perks, but absolutely do not want to pay a fee for them. Miles are earned at a fairly 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.

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.

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  • Annual fee: S$192.6, 1-year waiver, subsequently with S$25,000 annual spend
  • 1.2 miles per S$1 locally, 2 miles overseas, 3 miles for online travel bookings
  • Free travel insurance, 2x lounge visits, golfing & dining privileges
  • DBS My Preferred Payment Plan (0% interest instalments)
  • Up to 15% fuel savings with SPC, 14% with Esso
  • Annual fee: S$192.6, 1-year waiver, subsequently with S$25,000 annual spend
  • 1.2 miles per S$1 locally, 2 miles overseas, 3 miles for online travel bookings
  • Free travel insurance, 2x lounge visits, golfing & dining privileges
  • DBS My Preferred Payment Plan (0% interest instalments)
  • Up to 15% fuel savings with SPC, 14% with Esso

Best Miles Card for Business Travel & Overseas Spend: Standard Chartered Visa Infinite Card

Standard Chartered Visa infinite Credit Card
Standard Chartered Visa infinite Credit Card

Consider this if you travel frequently for business

Annual Income Requirement S$150,000
Foreigner Income Requirement S$150,000
Promotions:
  • Receive up to 35,000 welcome miles
  • Receive up to S$68 cashback on electric bill w/ OEM sign-up w/ select retailers

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.

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  • 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
  • Up to 25% fuel savings with Caltex
  • 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
  • Up to 25% fuel savings with Caltex

Summary of Best Air Miles Credit Cards 2019

Below, we've prepared a summary of our picks for the best air miles credit cards for 2019.

CardBest for...Annual Fee
Citi PMVOverall MilesS$192.6
UOB PRVI MilesRapid MilesS$256.8 (waiver)
Amex SA KrisFlyerWelcome Bonus MilesS$176.55
Citi PrestigeLuxury TravelS$535.0
OCBC VoyageFlexible RedemptionS$488.0
Maybank Horizon VisaMiles, Fee-WaiverS$180.0 (waiver)
HSBC RevolutionOnline & Social Spend, Fee-WaiverS$160.5 (waiver)
CardBest for...Annual Fee
Citi PMVOverall MilesS$192.6
UOB PRVI MilesRapid MilesS$256.8 (waiver)
Amex SA KrisFlyerWelcome Bonus MilesS$176.55
Citi PrestigeLuxury TravelS$535.0
OCBC VoyageFlexible RedemptionS$488.0
Maybank Horizon VisaMiles, Fee-WaiverS$180.0 (waiver)
HSBC RevolutionOnline & Social Spend, Fee-WaiverS$160.5 (waiver)

Compare the Best Air Miles Rewards Credit Cards by Dollar Value

Below is a visual representation of the approximate savings one can earn by using the best air miles credit cards in Singapore. Each card's dollar value, however, can vary depending on its user's spending habits. This amount can vary depending on what your spending habit looks like and how you redeem your miles. For frequent travelers who like to redeem their miles for long-haul business class seats, the value of these airline miles can be significantly higher than our estimates. There are also other intangible benefits like complimentary travel insurance and free access to airport lounges whose values are difficult to quantify but nevertheless incredibly valuable to some consumers.

For more information on how we determined the winners for each of the above categories, take a look at our methodology section. You can read more about how to choose the best travel credit card in our guide below.

A graph displaying how best travel credit cards and air miles credit cards compare to one another in terms of their rewards
Best Travel Credit Cards in Singapore by Estimated 2-Year Dollar Value

How to Choose the Best Miles Credit Card

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. Here in this guide, we help you 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 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 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 more positive impact on your finances than earning cashback.

Also, you should also bear in mind how the value of mile varies depending on 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 have 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 Mile Cards 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.

Other Travel Perks

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.

Methodology

*ValueChampion calculates the dollar value of rewards based on S$2,000 of monthly spending. We sum the value of points, miles and cashback in dollar terms and subtract the annual fee over a 24-month period. The estimates here are ValueChampion's alone, and have not been reviewed, approved or otherwise endorsed by the credit card issuer.

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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