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Get 10-gram Gold Bar on top of S$430 Cash or 6,140 SmartPoints
Eligibility Conditions: Available for new-to-bank cardholders who meet the minimum spend criteria.
Get 10-gram Gold Bar on top of S$430 Cash or 6,140 SmartPoints
Eligibility Conditions: Available for new-to-bank cardholders who meet the minimum spend criteria.
Get 10-gram Gold Bar on top of S$430 Cash or 6,140 SmartPoints
Eligibility Conditions: Available for new-to-bank cardholders who meet the minimum spend criteria.
Card Highlights
Regular APR: 18.24% - 25.24%
Annual Fee: $95
Rewards Rate: 5X - 10X Points
Regular APR: 18.24% - 25.24%
Annual Fee: $95
Rewards Rate: 5X - 10X Points
Regular APR: 18.24% - 25.24%
Annual Fee: $95
Rewards Rate: 5X - 10X Points
Key Features
Earn rewards on everyday spend and online purchases.
Redeem points for travel, vouchers, and lifestyle perks.
Use contactless payments and manage your account online.
Earn rewards on everyday spend and online purchases.
Redeem points for travel, vouchers, and lifestyle perks.
Use contactless payments and manage your account online.
Earn rewards on everyday spend and online purchases.
Redeem points for travel, vouchers, and lifestyle perks.
Use contactless payments and manage your account online.
Expert Articles
Frequently Asked Questions
About Credit Cards
Why are your curated best miles credit cards not really solely miles-earning cards?
Sharp mind you’ve got! In Singapore, some of the best miles cards are actually rewards cards that let you convert points into airline miles through their frequent flyer programmes. These often give way better earn rates than “true” general-spend miles cards (i.e. Citi PremierMiles, DBS Altitude Visa Signature Card).
Cards like Citi Rewards, UOB Lady’s, HSBC Revolution, and DBS Woman’s World are famous—and incredibly beloved—because they can hit 4 mpd on the right spend, which blows plain-vanilla miles cards out of the water for the most part.
What’s the ultimate best miles card in Singapore?
There isn’t one. Anyone who tells you there is either sells cards or doesn’t chase miles properly.
The best card depends on whether you spend mostly online, overseas, on dining, on shopping, or on general uncapped spend. The real answer is usually a two-card or three-card combo that’s tailored to your lifestyle and spending inclinations.
I’m new to miles chasing. Is it hard work to chase miles?
At the start, yes. You need to learn caps, MCCs, statement timing, transfer rules and expiry within a fairly short amount of time. But once it becomes a habit, it gets much easier and more manageable.
In fact, after a while, you’ll instinctively know which card to use at FairPrice, which one for GrabFood, which one for designer nice-to-have items like jewellery, watches, bags and shoes, which one for travel spend, and which one not to touch unless you’ve busted all the bonus caps.
Can I apply for multiple miles credit cards?
Yes, absolutely. Just so you know, serious miles chasers usually do and concurrently use multiple mile credit cards to speed things up.
The key is to make sure your income supports the applications, your expenses, and that you can manage them properly (i.e. track and pay all your bills extremely diligently).
A noteworthy mention: don’t collect cards you won’t use; instead, collect cards that cover different spend buckets aligned with your unique lifestyle!
I spend mostly online and am a serial Grabber. Which miles credit cards should I consider?
Start with these:
- Citi Rewards Card for eligible online shopping, rides and utmost flexibility
- DBS Woman’s World Card if you meet the income requirement and want a clean online miles credit card that excels
- HSBC Revolution as a no-fee option
- UOB Preferred Visa Card for mobile contactless, QR-ordering and SimplyGo
- UOB Lady’s Card if your chosen quarterly category matches your spend habits for that particular calendar quarter
- Maybank XL Rewards is worth a look if you’re under 40 and can hit the minimum spend
Are there miles credit cards with non-expiring miles?
Yes, or more accurately, non-expiring bank points that can later be converted into miles.
One solid example from the list above is the DBS Altitude Visa Signature Card, where DBS Points earned on this particular card do not expire, ever.
Some travellers also look for other cards in this category, such as the Citi PremierMiles Card.
Should you go for such cards? In most cases, they do have a part to play in many miles chasers’ arsenal. Although they may not always make the “best miles card” list as their earn rates are quite a lot lower than what the 4 mpd workhorse miles credit cards can offer, there’s no harm in using them occasionally—and enjoying the slew of perks they offer, such as free airport lounge access, travel deals, etc!