Compare Premium Credit Cards for High Income Earners

- April 20, 2021

If you earn big and spend big, the monthly earning caps on most credit cards will severely limit your rewards. We analysed over 100 credit cards in Singapore to help you find unlimited rewards value and exclusive luxury card perks to match.

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Transportation
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{"defaultRewardsCategory":"all","defaultRewardsType":"all","defaultUserIncome":"80000","defaultUserSpendTotal":"6000","defaultCardIssuer":"","endpoint":"http:\/\/mongogateway.valuechampion.sg\/Gateway","defaultSort":"value","linkSource":"affiliate"}

If you prefer to start your search with some specific recommendations, check out our curated list of the best credit cards for high-income consumers. These cards represent our favorite options thanks to their combination of rewards earning potential and useful perks.

Best Miles Credit Cards for High Income Earners
Best Unlimited Cashback Cards for High Income Earners
Best Credit Cards with Luxury Perks for High Income Earners
  • Citi Prestige: Unltd. lounge access, bonus hotel nights & more
  • OCBC Voyage: Flexible miles redemption, boosted rewards for local dining
  • Amex Platinum: Elite dining & lifestyle perks in SG
Best Credit Cards with Golf Privileges for High Income Earners
  • CIMB Visa Infinite: Unlimited 2% cashback on travel, overseas and online spend in foreign currencies
  • Maybank World: Free green fees at 120 fairways across 25 countries
Best Credit Cards for High-Earning Business Travellers

How to Choose the Right Credit Card When You Have High Income

Having a high income opens up a wider range of options when it comes to choosing your credit card, but that can also make it harder to find the one "best" choice for you. It's particularly important to seek out credit cards that offer unlimited rewards on your spending. The monthly rewards caps that a lot of credit cards impose are a much greater disadvantage for high earners because they also tend to spend more.

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

Caps on reward earnings operate on a category basis, so that the limit of points or cashback you earn for groceries is separate from the limit you would face on travel spending. Our RealValue calculator takes all of those caps into account when it shows you the 2-year rewards value for each credit card. It also deducts the cost of any annual fee that a card may charge - something that is especially common among unlimited cards that make the most sense for high income earners.

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