Quick answer: A good air miles card turns your daily kopi and grab rides into a business-class seat. The DBS Altitude gives you miles that never expire, while the HSBC TravelOne packs four lounge visits and a 2.4 mpd overseas rate. If you bleed SIA purple, the KrisFlyer UOB puts you on the fast track to Elite status. Below, seven cards worth your wallet space, each with a different reason to swipe.
This is one of 33 guides in Best Credit Cards in Singapore — start there if you would rather compare before you commit.
DBS Altitude Visa Signature Card
From DBS’s main office in Marina Bay Financial Centre, the Altitude Visa Signature is the card for people who hate watching their miles disappear. Every dollar you spend overseas earns 2.2 miles, local spend gets you 1.3, and there is no expiry date on the points you rack up. You also get two complimentary Priority Pass lounge visits a year and a welcome bonus of up to 38,000 miles when you hit the spend criteria as a new cardholder.
It is the kind of card that stays in your drawer for years, quietly building a balance you can cash in across multiple airline partners. No pressure to book a trip before the clock runs out.
Address: 12 Marina Boulevard, Marina Bay Financial Centre Tower 3, Singapore 018982
Phone: +1800-111-1111
Hours: Mon–Fri 9:00am–4:30pm, Sat 9:00am–12:30pm
Annual fee: Check with the bank – first-year waivers are common
DBS Altitude Visa Signature Card
This card suits the planner who wants to accumulate miles slowly, perhaps for a big family trip a few years down the road. It is also a steady pick for someone who travels just enough to appreciate a lounge visit but not enough to need a full-blown travel card with every bell and whistle.
This is our own selection, not a paid one. Tell us if there is somewhere we should have included.
Also worth a look: Best High-Income Credit Cards in Singapore for $120K Earners — if your income clears the premium-tier threshold.
Citi PremierMiles Card
Based out of Changi Business Park, the Citi PremierMiles Card is the all-rounder that gives you 2 miles per dollar on foreign currency spends and 1.2 miles locally. Its miles never expire and you can transfer them to over 10 airline partners – that flexibility is the real draw. New cardholders can snag up to 30,000 miles, and the card throws in two complimentary lounge visits each year.
If you hate being locked into one frequent-flyer programme, this is the card that lets you play the field. The uncapped earn rate means you can go all out on a big overseas purchase without worrying about monthly caps.
Address: 5 Changi Business Park Crescent, Singapore 486027
Phone: +65-6225-5225
Hours: Mon–Fri 9:30am–3:30pm, Sat 9:30am–12:00pm
Annual fee: Check with the bank
Citi PremierMiles Card
It suits the savvy globetrotter who values choice above all – someone who wants to compare redemption options across SQ, Cathay, Qantas and a dozen others before committing. If you already have a few travel plans sketched out but not set in stone, this card keeps your options open. While you’re at it, you might also want to look at our guide on Ways To Earn Airline Miles With Credit Cards in Singapore.
HSBC TravelOne Credit Card
From HSBC’s Marina Bay Financial Centre office, the TravelOne Credit Card is the one for the impatient traveller. You earn 2.4 miles per dollar overseas and 1.2 miles on local spend, and you can redeem miles instantly through the app – no waiting for statements. Four complimentary lounge visits a year, no conversion fees, and a welcome offer of up to 36,000 miles sweeten the deal.
The in-app redemption is a genuine time-saver when you need to book a last-minute flight, and the four lounge visits mean you can treat the whole family to a quieter pre-flight space on a single trip.
Address: 10 Marina Boulevard, Marina Bay Financial Centre Tower 2, Singapore 018983
Phone: +65-6472-2669
Hours: Mon–Fri 9:30am–4:00pm, Sat 9:30am–1:00pm
Annual fee: Check with the bank
HSBC TravelOne Credit Card
This card is for the tech-savvy traveller who wants everything on their phone. If you travel overseas a few times a year and value speed over hoarding miles for a distant dream, the TravelOne makes sense. It also suits someone who likes to share the travel perks with those they travel with – four lounge passes across a family trip is a quiet luxury that feels damn shiok.
KrisFlyer UOB Credit Card
Headquartered at UOB Plaza on Raffles Place, the KrisFlyer UOB Credit Card is the die-die-must-have for anyone who flies Singapore Airlines or Scoot like it’s a second home. You earn 3 miles per dollar on SIA Group spends and up to 2.4 miles per dollar on selected categories after meeting qualifying spends. You also get a fast-track to KrisFlyer Elite status and a 5,000-mile welcome bonus.
This is not a general-purpose miles card; it is a loyalty shortcut. The miles go straight into your KrisFlyer account, which means you can start redeeming for that long-awaited upgrade or a Saver award ticket faster than with a transfer-based card.
Address: 80 Raffles Place, UOB Plaza, Singapore 048624
Phone: +65-6222-2121
Hours: Mon–Fri 9:00am–5:00pm, Sat 9:00am–12:30pm
Annual fee: Check with the bank
KrisFlyer UOB Credit Card
It suits the SIA loyalist who wants to clock status faster without chasing complicated points transfers. If you already book all your flights on SIA and your weekends involve a trip to Bangkok or Bali, this card speeds up the journey to the front of the plane. If dining is also a big part of your lifestyle, you might also want to browse our pick of Dining Credit Cards in Singapore.
This is our own selection, not a paid one. Tell us if there is somewhere we should have included.
UOB PRVI Miles Credit Card
Also from UOB, the PRVI Miles Credit Card is built for the heavy overseas spender. You earn 2.4 miles per dollar abroad and 1.4 miles per dollar locally, with boosted rates on travel bookings made through partner platforms. Four complimentary lounge visits and comprehensive travel insurance come as standard.
The uncapped miles and the higher local earn rate compared to many travel cards make it a quiet workhorse. If you regularly book hotels and flights for work or leisure, the boosted rates on travel bookings can add up fast.
Address: 80 Raffles Place, UOB Plaza, Singapore 048624
Phone: +65-6222-2121
Hours: Mon–Fri 9:00am–5:00pm, Sat 9:00am–12:30pm
Annual fee: Check with the bank
UOB PRVI Miles Credit Card
This card suits the international spenders – expats, frequent business travellers, and anyone who finds themselves swiping a card in a foreign currency more often than in SGD. If your work sends you around the region, the PRVI Miles turns those reimbursed expenses into a personal holiday fund.
Maybank Horizon Visa Signature Card
Maybank’s Horizon Visa Signature Card, from its tower on Battery Road, is a focused pick for the foodie who travels. You earn 2.8 miles per dollar on air tickets, foreign currency, and dining after meeting a minimum spend, plus 1.2 miles per dollar locally. Complimentary travel insurance and lounge access round out the offering.
The 2.8 mpd rate on dining and air tickets is one of the higher earn rates around, but you do need to hit the minimum spend threshold each month to unlock it. If your monthly card bill is already heavy on restaurant meals and flight bookings, you will hit that without breaking a sweat.
Address: 2 Battery Road, Maybank Tower, Singapore 049907
Phone: +65-1800-629-2265
Hours: Mon–Fri 9:15am–3:45pm, Sat 9:15am–12:15pm
Annual fee: Check with the bank
Maybank Horizon Visa Signature Card
It suits someone who loves eating out almost as much as they love a good holiday. If your idea of a weekend well spent is a long dinner at a new restaurant followed by scrolling Skyscanner, this card aligns your two biggest spends into one high-earn channel. For more ways to pair food and travel rewards, check out our guide on Credit Cards for Airline Miles in Singapore.
OCBC 90°N Card
From OCBC Centre on Chulia Street, the 90°N Card is the one for the traveller who books everything online and wants maximum miles for those travel bookings. You can collect up to 7 miles per dollar on travel bookings made through selected platforms, 2.1 miles per dollar overseas, and 1.3 miles per dollar locally. The miles never expire and you can manage everything through a clean digital interface.
The headline 7 mpd rate is only on travel bookings and subject to caps, so you need to read the fine print. But for the person who books a few big trips a year – flights, hotels, packages – it can turbocharge your balance in a single transaction.
Address: 65 Chulia Street, OCBC Centre, Singapore 049513
Phone: +65-1800-363-3333
Hours: Mon–Fri 9:00am–6:00pm, Sat 9:00am–11:30am
Annual fee: Check with the bank
OCBC 90°N Card
It suits the digital-first traveller who books their own trips and wants the highest possible earn rate on those big-ticket travel spends. If you already use OCBC for your banking, the card ties in neatly with your existing accounts and app. The non-expiring miles also give you the freedom to plan a trip when you are ready, not when the bank says so.
How to choose
Deciding which card to apply for comes down to three things: where you spend most of your money, how loyal you are to a particular airline, and how long you want to wait before redeeming.
If you want miles that never expire and maximum flexibility, the DBS Altitude and Citi PremierMiles are the safest bets. Both let you transfer points to multiple airline partners, so you are not locked in.
If your heart is set on Singapore Airlines, the KrisFlyer UOB card is the obvious choice. The miles go straight into your KrisFlyer account and the fast-track to Elite status is a real advantage if you fly with them several times a year.
For those who spend heavily overseas or on travel bookings, compare the HSBC TravelOne, UOB PRVI Miles, and OCBC 90°N. The HSBC card gives you instant redemptions and four lounge visits; the UOB PRVI offers a higher local earn rate; the OCBC 90°N can give you a massive boost on travel bookings if you hit the right categories.
The Maybank Horizon is a niche pick that works brilliantly if your card bill is dominated by dining and flights. Just be sure you can meet the monthly minimum spend to unlock the high earn rate.
Annual fees in Singapore for these cards typically range from about S$190 to S$260, but first-year waivers are common. Always check the current income requirements and fee structure with the bank before applying.
| Card | Overseas Earn Rate | Local Earn Rate | Key Perk | Mile Expiry |
|---|---|---|---|---|
| DBS Altitude Visa Signature | Up to 2.2 mpd | 1.3 mpd | Never-expiring miles, 2 lounge visits | Non-expiring |
| Citi PremierMiles | 2 mpd | 1.2 mpd | Transfer to 10+ partners, 2 lounge visits | Non-expiring |
| HSBC TravelOne | 2.4 mpd | 1.2 mpd | Instant redemptions, 4 lounge visits | Check with the business |
| KrisFlyer UOB | 3 mpd on SIA Group | Check with the business | Fast-track to Elite status | Check with the business |
| UOB PRVI Miles | 2.4 mpd | 1.4 mpd | Boosted travel bookings, 4 lounge visits | Check with the business |
| Maybank Horizon Visa Signature | 2.8 mpd on air tickets, dining, foreign currency | 1.2 mpd | High earn on dining and flights | Check with the business |
| OCBC 90°N | Up to 7 mpd on travel bookings, 2.1 mpd | 1.3 mpd | Non-expiring miles, digital management | Non-expiring |
Summary
Whether you are saving for a once-in-a-lifetime trip or just want to make your monthly business travel pay you back, the right air miles card turns your everyday spending into a ticket out. The DBS Altitude and Citi PremierMiles give you the most freedom; the HSBC TravelOne and UOB PRVI Miles reward you for spending overseas; and the KrisFlyer UOB gets you closer to the front of the SIA cabin. Run the numbers on your own spending, check the bank’s latest fees, and pick the card that fits your travel rhythm, not someone else’s.
Disclaimer: All information provided here has been compiled from publicly available sources. While we have made every effort to ensure accuracy, we do not guarantee that the information is complete or error-free. Details can change, so please confirm with the business directly before applying.
Frequently asked questions
Do I need a minimum income to apply for these air miles credit cards?
Yes, most banks require a minimum annual income of around S$30,000 for Singaporeans and S$60,000 for foreigners. The exact figure can vary between banks, so check the specific card’s requirements before applying.
Which card gives the highest miles per dollar on overseas spending?
The HSBC TravelOne and UOB PRVI Miles both offer 2.4 miles per dollar on overseas transactions. The OCBC 90°N can go up to 7 mpd on travel bookings, while the Maybank Horizon gives 2.8 mpd on air tickets, foreign currency, and dining after meeting a minimum spend.
Do the miles earned on these cards ever expire?
Miles on the DBS Altitude, Citi PremierMiles, and OCBC 90°N do not expire. For the other cards, expiry policies differ – some miles expire after a few years if not redeemed, while others remain valid as long as the account is active. Check with the issuing bank for the exact terms.
Can I transfer miles to a frequent-flyer programme other than KrisFlyer?
Several cards, such as the Citi PremierMiles and HSBC TravelOne, let you transfer miles to multiple airline partners including Cathay Pacific, Qantas, and Emirates. The KrisFlyer UOB card, however, is designed for Singapore Airlines’ KrisFlyer programme and transfers are directly to that account.
What are the typical annual fees for these cards?
Annual fees usually range from about S$190 to S$260, though many banks offer first-year fee waivers or ongoing waivers if you meet a certain spending threshold. Always confirm the latest fee structure with the bank.
Are there any cards that offer lounge access with no annual fee?
No card on this list is permanently fee-free. The DBS Altitude, Citi PremierMiles, HSBC TravelOne, UOB PRVI Miles, and Maybank Horizon all include complimentary lounge visits, but they carry annual fees. Some banks may waive the fee in the first year, so ask when you apply.
