Best Air Miles Credit Cards 2019

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. We've 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:
  • OCBC 90°N: 4 miles per S$1 overseas & 10k annual bonus miles
  • DBS Altitude: Affordable perks like lounge access w/ easy fee-waiver
  • UOB PRVI Miles: Fee-wavier + 20k bonus miles, 2.4 miles per S$1 overseas
  • Citi PMV: Up to 21,000 welcome & 10,000 renewal miles
Best Miles Credit Cards for Luxury Perks:
Best Miles Credit Cards with No Annual Fee:
Best Miles Credit Cards for Bonus Miles:

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. 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 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
Best Credit Cards for Miles Overall: Best Miles Credit Cards for Luxury Perks: Best Miles Credit Cards with No Annual Fee: Best Miles Credit Cards for Bonus Miles:

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. 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 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

Best Air Miles Cards Overall

These miles cards offer both top rewards rates and some of the market's best travel perks.

OCBC 90°N Card: Rapid & Affordable Miles Accrual

  • Up to 4 miles per S$1 spend overseas
  • Promotions: Up to 10% off Emirates economy & business class
  • Read Our Full Review
  • Annual fee: S$192.6, 1-year waiver, S$10,000 annual bonus miles
  • 1.2 miles per S$1 locally, 4 miles overseas & on select airlines
  • 4 miles per S$1 on select entertainment (Netflix, Spotify & more)
  • 8 miles per S$1 on select travel & accommodations bookings (Agoda, AirBnB & more)
  • No miles redemption fee, miles never expire
The best card on the market for rapidly accruing miles–without added cost or complication–is by far OCBC 90°N Card. Cardholders currently earn an extraordinary 4 miles per S$1 spend overseas and with select merchants (airlines like SIA & AirAsia, entertainment vendors like Netflix & Spotify). Spend with booking sites like Agoda and with AirBnB earns an even higher 8 miles per S$1. Ultimately, cardholders can maximise miles on every step of their vacation, from the planning to actually spending overseas. Even more, even the most expensive travel cards do not provide overseas rates this high (though it's worth mentioning, OCBC 90°N Card does not offer substantial travel perks).


The rates above extend until February 2020. After this point, consumers will earn 1.2 miles per S$1 locally and 2.1 miles overseas. While this rewards structure is quite a bit lower than the current promotion, OCBC 90°N Card will still remain competitive compared to alternatives. The S$192.6 fee is reasonably low, is waived the 1st year, and is offset by 10,000 annual bonus miles. Overall, it's worth getting OCBC 90°N now so you can maximise miles earned for your travel this coming holiday season.

  • Stand-Out: Up to 4 miles per S$1 spend overseas
  • Promotions: Up to 10% off Emirates economy & business class
  • Read Our Full Review
  • Annual fee: S$192.6, 1-year waiver, S$10,000 annual bonus miles
  • 1.2 miles per S$1 locally, 4 miles overseas & on select airlines
  • 4 miles per S$1 on select entertainment (Netflix, Spotify)
  • 8 miles per S$1 on select travel & accommodations bookings (Agoda, AirBnB & more)
  • No miles redemption fee, miles never expire
The best card on the market for rapidly accruing miles–without added cost or complication–is by far OCBC 90°N Card. Cardholders currently earn an extraordinary 4 miles per S$1 spend overseas and with select merchants (airlines like SIA & AirAsia, entertainment vendors like Netflix & Spotify). Spend with booking sites like Agoda and with AirBnB earns an even higher 8 miles per S$1. Ultimately, cardholders can maximise miles on every step of their vacation, from the planning to actually spending overseas. Even more, even the most expensive travel cards do not provide overseas rates this high (though it's worth mentioning, OCBC 90°N Card does not offer substantial travel perks).


The rates above extend until February 2020. After this point, consumers will earn 1.2 miles per S$1 locally and 2.1 miles overseas. While this rewards structure is quite a bit lower than the current promotion, OCBC 90°N Card will still remain competitive compared to alternatives. The S$192.6 fee is reasonably low, is waived the 1st year, and is offset by 10,000 annual bonus miles. Overall, it's worth getting OCBC 90°N now so you can maximise miles earned for your travel this coming holiday season.

DBS Altitude Visa: Affordable Miles + Luxury Perks

  • Free lounge access & golf privileges, waivable fee
  • Promotions: Apply online & receive up to 38,000 welcome miles
  • 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
  • Read Our Full Review
  • 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)
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.


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.

  • Stand-Out: Free lounge access & golf privileges, waivable fee
  • Promotions: Apply online & receive up to 38,000 welcome miles
  • 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
  • Read Our Full Review
  • 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)
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.


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.

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

  • Up to 20,000 bonus renewal miles & fee waiver
  • Promotions: Receive 10,000 welcome miles w/ S$6k spend in 1st 3mo
  • Earn up to 4.4mi/S$1 on overseas dining, shopping & accommodation, 3mi on Klook
  • Earn up to S$10 rebate on contactless payments
  • 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, 10 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 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.

  • Stand-Out: Up to 20,000 bonus renewal miles & fee waiver
  • Promotions: Receive 10,000 welcome miles w/ S$6k spend in 1st 3mo
  • Earn up to 4.4mi/S$1 on overseas dining, shopping & accommodation, 3mi on Klook
  • Earn up to S$10 rebate on contactless payments
  • 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, 10 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 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.

Citi PremierMiles Visa: Affordable Perks + Bonus Miles

  • Earn 2mi/S$1 overseas, 2 free lounge visits/yr
  • Promotions: Earn 1.5 miles per S$1 local spend w/ min. S$3k monthly spend
  • Option One: 26,500 miles w/ 1st annual fee payment & S$9k spend within 3 months
  • Option Two: 6,400 miles w/ 1st annual fee payment & S$3k spend within 3 months
  • Read Our Full Review
  • 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
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.

  • Stand-Out: Earn 2mi/S$1 overseas, 2 free lounge visits/yr
  • Promotions: Earn 1.5 miles per S$1 local spend w/ min. S$3k monthly spend
  • Option One: 26,500 miles w/ 1st annual fee payment & S$9k spend within 3 months
  • Option Two: 6,400 miles w/ 1st annual fee payment & S$3k spend within 3 months
  • Read Our Full Review
  • 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
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.

Best Air Miles Cards for Luxury Perks

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

Citi Prestige MasterCard: Best Overall for Elite Travel Perks

  • Unltd lounge access, free travel insurance & bonus hotel nights
  • Promotions: Welcome gift of 25,000 miles upon card approval
  • Earn up to 10 miles per S$1 spend on hotel bookings at Kaligo
  • Read Our Full Review
  • 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
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 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.

  • Stand-Out: Unltd lounge access, free travel insurance & bonus hotel nights
  • Promotions: Welcome gift of 25,000 miles upon card approval
  • Earn up to 10 miles per S$1 spend on hotel bookings at Kaligo
  • Read Our Full Review
  • 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
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 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.

Standard Chartered Visa Infinite: Exclusive Privileges for Business Travellers

Standard Chartered Visa infinite Credit Card
Standard Chartered Visa infinite Credit Card
  • Up to 3mi/S$1 overseas, earn rewards for tax payments
  • Promotions: Receive up to 35,000 welcome miles
  • Receive up to S$50 cashback on electric bill w/ OEM sign-up w/ select retailers
  • Read Our Full Review
  • 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
  • Stand-Out: Up to 3mi/S$1 overseas, earn rewards for tax payments
  • Promotions: Receive up to 35,000 welcome miles
  • Receive up to S$50 cashback on electric bill w/ OEM sign-up w/ select retailers
  • Read Our Full Review
  • 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: Boosted Miles for Local Diners

OCBC Voyage Card
OCBC Voyage Card
  • Flexible miles redemption, 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 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.

OCBC Voyage Card
OCBC Voyage Card
  • Stand-Out: Flexible miles redemption, 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 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.

Best Air Miles Cards with No Annual Fee

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

Maybank Horizon Visa Signature: Top Miles for Local Spend

  • Market-leading 3.2 mi/S$1 local dining & transport spend
  • Promotions: Receive free American Tourister Luggage w/ S$300 monthly spend for 2mo (req. both card + Creditable applications)
  • 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: Receive free American Tourister Luggage w/ S$300 monthly spend for 2mo (req. both card + Creditable applications)
  • 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.

HSBC Revolution: Miles for Online & Social Spend

  • Up to 2mi/S$1 spend on online insurance & bill-pay
  • Promotions: Receive Samsonite T5 68cm Spinner luggage or S$150 cashback
  • Apply online with MyInfo via SingPass, receive S$20 in Grab rides
  • Read Our Full Review
  • 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.
  • Stand-Out: Up to 2mi/S$1 spend on online insurance & bill-pay
  • Promotions: Receive Samsonite T5 68cm Spinner luggage or S$150 cashback
  • Apply online with MyInfo via SingPass, receive S$20 in Grab rides
  • Read Our Full Review
  • 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.

Best Credit Card for Bonus Miles

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

American Express Singapore Airlines Krisflyer Card: Easy Welcome Miles

American Express Singapore Airlines KrisFlyer Credit Card
American Express Singapore Airlines KrisFlyer Credit Card
  • Up to 13k+ bonus miles w/ S$5k spend in 3mo
  • Promotions: Spend S$5k in 1st 3mo, receive 7,500 bonus miles
  • 5,000 bonus miles w/ 1st spend
  • S$150 cash credit w/ Singapore Airlines after S$12k spend
  • 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 select merchants (Grab, McDonald's, Starbucks & more)
  • Free travel insurance
  • Hertz Gold Plus Rewards & Amex Selects Privileges
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.

American Express Singapore Airlines KrisFlyer Credit Card
American Express Singapore Airlines KrisFlyer Credit Card
  • Stand-Out: Up to 13k+ bonus miles w/ S$5k spend in 3mo
  • Promotions: Spend S$5k in 1st 3mo, receive 7,500 bonus miles
  • 5,000 bonus miles w/ 1st spend
  • S$150 cash credit w/ Singapore Airlines after S$12k spend
  • 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 select merchants (Grab, McDonald's, Starbucks & more)
  • Free travel insurance
  • Hertz Gold Plus Rewards & Amex Selects Privileges
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.

American Express Singapore Airlines Krisflyer Ascend Card: Exclusive Travel Memberships

American Express Singapore Airlines KrisFlyer Ascend Credit Card
American Express Singapore Airlines KrisFlyer Ascend Credit Card
  • Access to Hilton Honors Silver & Krisflyer Elite Gold status
  • Promotions: Spend S$10k within the 1st 3mo, receive 15,000 bonus miles
  • 5,000 bonus miles w/ 1st spend
  • 1,500 KrisFlyer Miles each for the first two approved supplementary cards
  • 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 select merchants (Grab, McDonald's, Starbucks & more)
  • 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 with vendors like Grab, McDonald's and Deliveroo.


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.

American Express Singapore Airlines KrisFlyer Ascend Credit Card
American Express Singapore Airlines KrisFlyer Ascend Credit Card
  • Stand-Out: Access to Hilton Honors Silver & Krisflyer Elite Gold status
  • Promotions: Spend S$10k within the 1st 3mo, receive 15,000 bonus miles
  • 5,000 bonus miles w/ 1st spend
  • 1,500 KrisFlyer Miles each for the first two approved supplementary cards
  • 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 select merchants (Grab, McDonald's, Starbucks & more)
  • 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 with vendors like Grab, McDonald's and Deliveroo.


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.

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.

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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