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Best Miles Credit Cards in Singapore (2026)
If you ask any hardcore miles chaser in Singapore what the best miles credit card is, the honest but brutal answer will be: it depends what you spend on, where you spend, and whether you’re disciplined enough not to whack the wrong MCC.
The miles game here is not about one magical card; it’s about building the right setup for your lifestyle, then squeezing every eligible dollar for all it is worth.
The miles card comparison guide below on the best air miles cards is written from a pure miles chaser angle.
We’re looking at earn rates, caps, MCC restrictions, annual fees, sneaky hurdles, and whether a card actually helps you book premium cabin flights faster.
The rates, caps, and category rules are based on the latest research and should still be checked against the issuer’s latest T&Cs before you apply, because banks love to “enhance” (ahem, nerf) things when we’re not looking!
- At a Glance: Top Recommendations From CompareSing
If you’ve only got 1 minute, look here:
- Best for the big spender / general spend traveller: UOB PRVI Miles Card
Strong uncapped everyday earn for local and overseas spend, plus free lounge visits. - Best for the budget traveller / beginner miles chaser: HSBC Revolution Credit Card
No annual fee, solid 4 mpd on the right spending buckets, easy starter card. - Best for the optimiser / category hacker: UOB Lady’s Card, Citi Rewards Card, and UOB Preferred Visa Card
These are the workhorses for 4 mpd if you know your categories and watch your caps.
* mpd = miles per dollar
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Why These Miles Credit Cards Made Our List
If you are a new miles chaser, you might have heard of some of the excellent perks. But, what’s the catch? For existing miles chasers, are you actually maximising each dollar of yours?
These cards are the ones that actually matter in a Singapore miles setup—they’re the best miles credit cards and rightly so.
This might surprise you, but a proper miles chaser usually carries one uncapped general-spend card and two or three specialist 4 mpd cards. That is the sweet spot.
You use the high-earn cards for online, mobile contactless, category spending and selected travel spend, then park the uncapped “everything else” spend on a basic-earn-rate-but-uncapped-miles type of card.
Now let’s break them down and make this miles card comparison an easy one for anyone looking to up their miles game!
Best for People Who Hate Expiring Points
DBS Altitude Visa Signature Card
Key Perks & Lifestyle Benefits
- Up to 2.2 mpd overseas spend
- Up to 1.3 mpd local spend (vs Citi PremierMiles’ 1.2 mpd)
- 2 complimentary lounge visits
- DBS Points earned on this card do not expire
- Optional auto-conversion to KrisFlyer
- DBS Points can be transferred to 4 airline frequent flyer programmes, namely those from Singapore Airlines, Qantas, Air Asia, and Cathay Pacific
Not the most exciting earn rate in the market, but the non-expiring points positioning is a real quality-of-life benefit. If you’re an occasional traveller who accumulates slowly, this matters a lot.
The Fine Print
- Annual fee: S$196.20, first year waived
- Transfer fee: S$27.25
- KrisFlyer auto-conversion fee: S$43.60 annually
- Annual fee waiver by spend will cease from 1 August 2026
A great “slow and steady” miles card, especially if you hate being forced into premature redemptions or if you want a miles credit card that you can use on literally anything and everything without going into geek mode.
Best for the Big Spender
UOB PRVI Miles Card
Key Perks & Lifestyle Benefits
- 1.4 mpd local spend
- 2.4 mpd overseas spend
- 3 mpd on selected regional spend
- Up to 8 mpd on selected Agoda and Expedia bookings via the UOB PRVI Miles site
- 4 complimentary lounge visits for the principal cardholder
- Complimentary travel insurance
- UOB UNI$ can be transferred to 2 frequent flyer programmes only—Singapore Airlines KrisFlyer and Cathay Pacific Asia Miles
This is the classic anchor card for serious travellers. You use this for the spend that does not fit your 4 mpd cards, especially overseas or uncapped general spend. Besides, the 8 mpd spend on accommodation is undeniably fabulous for racking up miles quickly!
The Fine Print
- Annual fee: S$261.60, first year waived
- Supplementary fee applies after the first free card
- Higher fee, but also a more complete travel proposition for travel buffs
If you spend big, this is one of the best miles credit cards that keeps your miles engine running.
Best for Younger Miles Chasers with FCY Spend
Maybank XL Rewards Card
Key Perks & Lifestyle Benefits
- Up to 4 mpd on Dine, Shop, Travel, Play, plus all FCY spend
- Low annual fee
- Useful for younger users who travel, dine out and shop online
- Maybank TREAT Points can be transferred to 4 frequent flyer programmes from Singapore Airlines, Cathay Pacific, Malaysia Airlines and Air Asia
If you’re under 40 and your spending pattern matches the bonus buckets, this miles card is a sneakily good one to consider. The foreign currency angle is especially interesting, too.
The Fine Print
- Eligibility age: 21 to 39
- Need at least S$500 per calendar month spend to unlock bonus earn
- Bonus capped at S$1,000 per calendar month
- Annual fee: S$87.20, waived first 2 years
- Transfer fee: S$27.25
This card rewards discipline. Miss the minimum spend, and the whole thing becomes much less sexy.
Best for Departmental Store, Fashion & Duty Free Shoppers
OCBC Rewards Card
Key Perks & Lifestyle Benefits
- Up to 4 mpd on selected retail categories online and offline
- Up to 6 mpd on selected promo platforms (changes quarterly at the bank’s discretion)
- Fantastic fit for shopping-heavy users (ahem, shopaholics)
- Can be useful for fashion, department store and retail spend
- OCBC$ can be transferred to 9 airline and hotel travel programmes
This miles credit card truly shines when the promo categories line up with how you already spend on a day-to-day basis. If you are a department store, duty free, fashion retail-heavy spender, it can punch above its weight easily.
The Fine Print
- Annual fee: S$196.20, waived for first 2 years
- Auto annual fee waiver with S$10,000 annual spend
- Bonus categories are restricted by MCC
- Promo bonuses can change
- Bonus cap: S$1,000 per calendar month
Nice specialist tool for serial fashionista shoppers. Not a one-card solution for those seeking something that tackles the varied aspects of everyday life (e.g. grocery shopping, petrol, dining, home supplies, etc).
Best for Mobile Contactless, SimplyGo & Selected Online/In-App Spend
UOB Preferred Visa Card
Key Perks & Lifestyle Benefits
- Up to 4 mpd on mobile contactless spend
- Up to 4 mpd on selected online and in-app shopping and entertainment spend
- No minimum spend to start earning
- SimplyGo spend is eligible
- Great for families, commuters, supermarket spend, and food delivery users
- UOB UNI$ can be transferred to 2 frequent flyer programmes only—Singapore Airlines KrisFlyer and Cathay Pacific Asia Miles
This is the classic “tap and go” miles credit card anyone and everyone must have, period. In Singapore, where PayWave, online and app-based payments are literally everywhere, this miles card can quietly rack up miles quickly if you use it correctly.
The Fine Print
- Annual fee: S$196.20, first year waived
- Cap: S$600/month for mobile contactless bonus
- Cap: S$600/month for eligible online bonus
- In-app Apple Pay / Google Pay payments may not trigger the contactless bonus
A brilliant miles credit card that’s easily one of the best miles cards—but very easy to misuse if you don’t understand the recently-updated mechanics and are not good at tracking your expenses to a T!
Best for the High-Income Online Miles Chaser
DBS Woman’s World Card
Key Perks & Lifestyle Benefits
- 4 mpd on online purchases
- No minimum spend
- Complimentary e-commerce protection
- Solid option if most of your card life happens online
- DBS Points can be transferred to 4 airline frequent flyer programmes, namely those from Singapore Airlines, Qantas, Air Asia, and Cathay Pacific
This is one of the cleanest specialist cards in the game, but the catch is the income requirement. If you qualify, it’s a formidable online-spend miles credit card through and through.
The Fine Print
- Minimum income: S$80,000
- Annual fee: S$196.20, first year waived
- Bonus cap: S$1,000 per calendar month
- Other spend: 0.4 mpd
- DBS Points expire in a measly 1 year
- Annual fee waiver by spend will cease from 1 August 2026
Very strong earner, but the points-expiry clock means you cannot be blur when leveraging this top-notch card that’s famous for being one of the best miles cards for local spend (online)!
Best for the Serial Online Shopper
Citi Rewards Card
Key Perks & Lifestyle Benefits
- 4 mpd-equivalent on eligible online purchases
- Also strong >4 mpd for selected in-store shopping categories
- No minimum spend
- Compatible with Instarem Amaze
- Points expiry is relatively manageable at 60 months (from the date of card approval)
- Citi ThankYou Points can be transferred to 11 airline and hotel loyalty programmes
For Singapore miles chasers, Citi Rewards is famous for being a workhorse card. Pair it correctly, and it can harvest miles from plenty of retail-style spend online and in-store. It is one of the best miles cards for local spend for a reason!
The Fine Print
- Annual fee: S$196.20, first year waived
- Minimum income: S$30,000 for locals/PRs, S$42,000 for foreigners
- Rewards are category-dependent, so not every online transaction qualifies
- Bonus cap: S$1,000 per statement month
- Its 5-year point expiry is quirky—this starts from the date of your card approval
Solid card. Just don’t assume “online” means every online transaction ticks the box—mobile wallet and travel spend are excluded, alongside the usual suspects like utility, insurance and government services, etc.
Best for the Category Optimiser
UOB Lady’s Card
Key Perks & Lifestyle Benefits
- 4 mpd on your chosen category with no minimum spend (changeable every calendar quarter!), up to S$1,000 per month
- Potentially even higher earn rate when paired with the UOB Lady’s Savings Account
- Useful for focused spenders who know where their money goes
- Extra lifestyle bits like birthday treats and travel coverage
- UOB UNI$ can be transferred to 2 frequent flyer programmes only—Singapore Airlines KrisFlyer and Cathay Pacific Asia Miles
If you’re the type who knows exactly where your spend is concentrated, this can be a killer card. The whole trick is choosing the right category every quarter and not wasting the bonus bucket. Also, unlike its official name, this miles card is available to men—good news for those with XY chromosomes!
The Fine Print
- Annual fee: None
- Bonus cap: S$1,000 per calendar month
- MCC gotcha: Fast food MCC 5814 is excluded
- OTA gotcha: Online travel agencies MCC 4722 are excluded
This is not a lazy-person card. It’s for people who like planning, and enjoy being absolutely strategic about their spending.
Best for the Budget Traveller
HSBC Revolution Credit Card
Key Perks & Lifestyle Benefits
- Up to 4 mpd on online spending, contactless and selected travel spend
- No minimum spend
- No annual fee
- Membership for lifestyle and dining deals (yes, those 1-for-1 deals included)
- Complimentary travel insurance from 1 April 2026 under qualifying conditions
- HSBC Rewards Points can be transferred to more than 20 frequent flyer programmes and hotel loyalty programmes
This is one of our favourite beginner cards because the barrier to entry is low and the cost of keeping it is basically zero. If you’re new to the game, that matters. You don’t want to pay annual fees just to learn what an MCC mistake looks like!
The Fine Print
- Annual fee: None
- Bonus cap: S$1,000 per calendar month
- MCC gotcha: Fast food MCC 5814 is excluded
- OTA gotcha: Online travel agencies MCC 4722 are excluded
Use this as a “safe-ish” 4 mpd starter card, but don’t blindly use it for food delivery (platforms, such as GrabFood, often code their transactions under MCC 5814, Fast Food, or MCC 5812, Restaurants—it’s pretty much a gamble here) or OTAs (e.g. Klook, Expedia, Airbnb, Hotels.com, Pelago, KKday and Trip.com).
What Is the MCC Code and Why Should I Care?
Merchant Category Codes (MCCs) are four-digit codes assigned to businesses, and they are a must-know for all credit card users looking to maximise their credit card rewards.
While it may sound rather boring, it plays an essential role in your bonus rewards. One wrong digit and you might not be clocking in your rewards!
For example, one common source of confusion among users revolves around dining. It’s really not just the ‘dining category’.
Users are sometimes confused between MCC 5814 for Fast Food and MCC 5812 Restaurants. You may think that you are collecting miles for your McDonald’s orders, but if the MCC 5814 is not included, say, for the HSBC Revolution Credit Card, you are not earning any miles at all.
To solve this mystery, users can consider using HeyMax or Instarem to find out the MCC. However, it is important to note that these platforms are not always accurate or the most convenient.
Living the Miles Chaser Lifestyle
Here’s the truth: the people earning miles fastest in Singapore are not using one card. They’re using a small ecosystem.
A practical setup looks like this:
- One 4 mpd online card: Citi Rewards, DBS Woman’s World, or HSBC Revolution
- One 4 mpd offline/contactless card: UOB Preferred Visa Card
- One uncapped general-spend card: UOB PRVI Miles or DBS Altitude
- Optional category sniper card: UOB Lady’s or OCBC Rewards
That’s how you stop “wasting” spend at 0.4 mpd when you could be easily earning 4 mpd.
How to Maximise Your Miles Credit Card for Typically Excluded Transactions
Have you ever tried to pay for your insurance premiums using your credit card but realised that it is ‘not counted’ when it comes to credit card rewards like miles, points or cashback?
This is where advanced players squeeze out the extra juice. There is a hack for everything.
Facilities like CardUp, Citi PayAll, and UOB Payment Facility can sometimes turn otherwise ‘boring’ spend into miles—things like rent, income tax, school fees, insurance premiums, condo bills, invoices, or big one-off payments.
The trick is simple: do the math.
If you’re paying an admin fee to buy miles, ask yourself:
- What is the effective cost per mile?
- Is that cheaper than what you personally value a KrisFlyer mile at?
- Are you topping up for a redemption you actually plan to make?
If the answer is yes, it can be worth it. If not, you’re just paying money to feel shiok about earning extra points, well, miles.
And one more thing: these facilities change promos, eligibility, and earn rules all the time. Never assume last year’s trick still works today!
CompareSing Buddy Tips: What to Watch Out For
The best miles cards in Singapore are wonderful—in fact, absolutely fantastic—until you miss the fine print.
Coming from a miles chaser, watch these like a hawk once you’ve eased into the miles game:
Calendar month vs statement month
Many 4 mpd caps reset by either calendar month or statement month—know your own like the back of your hand!
Eligible MCCs
The merchant name is pretty much irrelevant. The MCC decides whether you get the 4 mpd bonus.
“Online” doesn’t mean all online
Education, rent, insurance, government payments, wallet top-ups and quasi-cash are excluded.
Foreign currency fees
Extra miles are nice, but not if FCY fees eat up the value.
Points expiry
Some cards are forgiving. Some force you to transfer faster than you’d like.
Nerfs happen fairly frequently
Bonus caps, categories, earning mechanics, and transfer partners can change any time. Don’t marry your favourite miles card!
How to Apply for Your Miles Credit Card in 3 Easy Steps
Match the card to your spend pattern
Online-heavy? Start with Citi Rewards or DBS Woman’s World.
General spend? Look at UOB PRVI Miles.
Contactless/SimplyGo? UOB Preferred Visa Card.
Prepare your income and ID documents
Apply online
Eligibility Requirements
In general, expect:
Minimum Age
21
Locals/PRs
typically S$30,000 annual income for mainstream cards
Premium/niche cards may require more
such as S$80,000 for DBS Woman’s World
Some banks may offer
Secured-card routes with fixed deposit collateral
Document Checklist
Usually, you’ll want to prep the following:
NRIC / Singpass for locals
Passport + work pass/employment pass for foreigners
Latest computerised payslips
Latest income tax notice of assessment
Proof of address may be required
Frequently Asked Questions
About Best Miles Credit Cards (Singapore Edition)
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!