Quick answer: For air tickets, the DBS Altitude Card gives you miles that never expire, so no rush to redeem. If you fly Singapore Airlines often, the UOB KrisFlyer Credit Card racks up points fast on SIA bookings. For overseas spending, the UOB PRVI Miles Card offers some of the highest earn rates. The Citi PremierMiles Card lets you transfer miles to many airline partners. Each has a welcome bonus and lounge visits.
Most people think you need to fly often to earn an air ticket. The real supply chain runs through your everyday card swipes: kopi, petrol, utilities. The right credit card rewires that spend into a quiet mileage engine, and the ones worth following are the cards that never let those miles expire—because a travel fund that disappears on deadline isn’t a fund at all.
This is one of 33 guides in Best Credit Cards in Singapore — start there if you would rather compare before you commit.
DBS Altitude Card
The DBS Altitude Card keeps things simple: miles never expire and you earn them on everything you spend, whether at home or abroad. It’s like a steady travel fund that just grows quietly in your wallet.
You get up to 2.2 miles per S$1 on overseas purchases and 1.3 miles locally. Book flights directly with airlines or through travel portals and the miles stack up without fuss. New cardholders can snag up to 38,000 welcome miles after meeting the spend requirement—enough to cover a regional return on some routes. There’s also complimentary Priority Pass membership with two lounge visits a year, plus travel insurance that kicks in automatically. The card does not come with an expiry date on miles, so you are never racing a clock.
With this card’s no-expiry miles, your travel fund runs on autopilot and you are never racing a clock.
Contact: 12 Marina Boulevard, Marina Bay Financial Centre Tower 3, Singapore 018982 | +65 1800 111 1111 | Monday–Friday 9am-4:30pm | DBS Altitude Card
If you travel once or twice a year and just want a card that earns miles without mental gymnastics, this one’s a solid pick. The non-expiry miles mean you can let them accumulate while you plan that next long-haul getaway.
While you’re here: Best Credit Card For Hotel Booking in Singapore — before you book the next hotel stay.
While you’re here: Best Credit Cards for Grab Rides in Singapore — if most of your commute is on Grab.
Citi PremierMiles Card
Citi’s PremierMiles card feels like it was made for someone who likes having options. You earn 2 miles per S$1 overseas and 1.2 miles locally, and up to 10 miles per S$1 on select online travel bookings with Agoda and Kaligo. Those boosted rates can turn a hotel booking into a serious chunk of your next air ticket.
The miles never expire, and you can transfer them to over 10 airline and hotel partners—great if you are not tied to one carrier. Two complimentary lounge visits a year and built-in travel insurance round out the practical side. A 30,000-mile welcome bonus greets new cardholders who meet the minimum spend.
If you book hotels on Agoda or Kaligo and want that outlay to count hard, this is your card.
Contact: 5 Changi Business Park Crescent, Level 5, Singapore 486027 | +65 6225 5225 (24-hour hotline) | Citi PremierMiles Card
This card suits someone who books a fair bit online and likes to keep their redemption choices wide open. The boosted online travel earn rates are a real draw if you use Agoda or Kaligo for your trips.
This is our own selection, not a paid one. Tell us if there is somewhere we should have included.
HSBC TravelOne Credit Card
The HSBC TravelOne Credit Card gives you 2.4 miles per S$1 on foreign-currency spends and 1.2 miles locally—one of the higher base overseas earn rates around. On top of that, you get four complimentary lounge visits a year, which is more than most cards in this list.
What sets it apart is the instant redemption feature through the HSBC app. You can swap miles for flights and hotels on the go, without waiting for statement cycles. There are no conversion fees when you transfer miles to over 20 airline and hotel partners, and a welcome bonus of up to 36,000 miles is up for grabs after meeting the spend requirement. Travel insurance comes bundled.
The instant redemption feature inside the HSBC app changes how you think about miles: it’s not a long-term accumulation game, it’s an on-the-spot travel wallet. This suits the frequent-but-not-airline-loyal flyer who wants to convert points into a flight while sitting in the lounge. The complimentary visits alone cover the annual income requirement many times over.
Contact: 10 Marina Boulevard, Marina Bay Financial Centre Tower 2, #48-01, Singapore 018983 | +65 1800 472 2669 (chat agents 9am-9pm daily) | HSBC TravelOne Credit Card
If you like seeing your rewards materialise quickly and want a card that works as hard on lounge access as it does on mile earning, this one’s worth a serious look. The four lounge visits alone can make your pre-flight time a lot more comfortable.
For a wider look at mile earning strategies, see our guide on Credit Cards for Airline Miles in Singapore.
UOB PRVI Miles Card
The UOB PRVI Miles Card is your go-to if you spend a lot overseas or book travel through big-name platforms like Agoda and Expedia. You can earn up to 6 miles per S$1 on those partner bookings, 2.4 miles per S$1 on general foreign-currency spends, and 1.4 miles locally. That’s a fast track to a reward ticket.
Welcome bonuses can hit up to 50,000 miles for new cardholders who meet the spend target—one of the heftier ones you will see. Four lounge visits a year and travel insurance are part of the package. The card is available on Visa, Mastercard, and American Express, so you can pick the network that works for you.
If your job or family has you spending in foreign currency every month, this card compresses the timeline to a reward ticket. The real accelerator is the Agoda and Expedia multiplier—book a week’s hotel and the miles earned can equal a short-haul redemption. Welcome bonuses are generous, but the ongoing overseas rate is what keeps the engine humming.
Contact: 80 Raffles Place, UOB Plaza, Singapore 048624 | +65 1800 222 2121 (24-hour) | [email protected] | UOB PRVI Miles Card
If your travel happens mostly overseas or you are booking accommodation alongside flights, the accelerated partner rates could really add up. The welcome bonus alone is enough to get a decent head start on your next trip.
UOB KrisFlyer Credit Card
If you fly Singapore Airlines often, the UOB KrisFlyer Credit Card is practically made for you. It earns 3 miles per S$1 on all Singapore Airlines Group purchases—SIA tickets, Scoot, KrisShop—and up to 2.4 miles on dining and travel after you hit a qualifying monthly spend. A 5,000-mile welcome bonus comes with the card.
It also fast-tracks you to KrisFlyer Elite Silver status, which means priority check-in and a bit more baggage allowance when you fly SIA. The miles you earn feed directly into your KrisFlyer account, so there is no extra transfer step. That direct link makes redeeming for SIA flights straightforward.
Daily dining folds into your mileage balance with this card, appealing to flyers loyal to an airline, not an alliance.
Contact: 80 Raffles Place, UOB Plaza, Singapore 048624 | +65 1800 222 2121 (24-hour) | [email protected] | UOB KrisFlyer Credit Card
SIA loyalists will feel right at home here—the earn rate on airline spend is hard to beat, and climbing the KrisFlyer tiers becomes a bit easier. It is a focused tool rather than a generalist one.
Standard Chartered Journey Credit Card
The Standard Chartered Journey Credit Card pulls double duty by letting you earn accelerated miles on everyday categories like transport and groceries—up to 3 miles per S$1—while still giving you 2 miles on overseas spends and 1.2 miles locally. That means your Grab rides and NTUC runs quietly fund your next flight.
Two complimentary lounge visits a year, travel insurance, and a 30,000-mile welcome bonus round out the offering. You can transfer miles to partners including Singapore Airlines, so your everyday spending feeds directly into your air ticket fund.
This card turns the spend you barely notice—Grab rides to work, the weekly grocery shop—into the foundation of your next trip. The accelerated rate on transport and groceries means your heartland routine funds your escape. Two lounge visits sweeten the deal, and the welcome bonus gives you a running start. Perfect for the homebody who still likes a boarding pass twice a year.
Contact: 8 Marina Boulevard, Marina Bay Financial Centre Tower 1, Singapore 018981 | +65 6747 7000 (8am-8pm daily) | Standard Chartered Journey Credit Card
This one works best if you want a card that chips in miles from your daily life without having to think about bonus categories. The transport and grocery earn rates set it apart, especially for a family’s routine spending.
If you eat out a lot, you might also want to look at our Dining Credit Cards in Singapore guide—some of those stack miles on restaurant bills.
OCBC 90°N Card
The OCBC 90°N Card is all about longevity: miles never expire, and you can earn up to 7 miles per S$1 on Agoda bookings. Overseas spending nets you 2.1 miles per S$1 and local transactions 1.3 miles. That no-expiry feature means you can slowly build a mountain of miles for a big redemption without yearly pressure.
Lounge access comes via partnerships, and the card has its own travel deals attached. While there is no headline welcome bonus mentioned, the high earn rates on travel booking sites like Agoda can accelerate your mileage quickly if you plan hotels and flights together.
The 7-miles-per-dollar rate on Agoda bookings makes this the card to reach for when you’re planning a stay. The no-expiry policy means you can chip away at a grand redemption over several years without the anxiety of a mileage clock. It suits the long-haul dreamer who knows the companion ticket to New York is worth the wait.
Contact: 63 Chulia Street, OCBC Centre, Singapore 049514 | +65 1800 363 3333 (24-hour) | OCBC 90°N Card
If you are an OCBC customer or prefer the certainty of miles that never vanish, this card is a quiet achiever. The Agoda boost makes it a smart pick if you regularly book accommodation through that platform. For more OCBC options, we have a separate guide on OCBC Credit Cards in Singapore.
This is our own selection, not a paid one. Tell us if there is somewhere we should have included.
How to choose
Your decision really boils down to how you spend and who you fly with. If you want miles that never expire and don’t want to track deadlines, the DBS Altitude and OCBC 90°N are your safest bets. If Singapore Airlines is your carrier of choice, the UOB KrisFlyer card’s 3 miles per S$1 on SIA purchases is the clear winner. For heavy overseas spenders, the UOB PRVI Miles card’s 2.4 overseas rate—and up to 6 on partner travel bookings—is tough to beat. The Citi PremierMiles and HSBC TravelOne both offer strong flexible transfer options and solid lounge benefits.
Think about where you book. The HSBC and Citi cards both reward Agoda and Kalogo bookings with elevated rates, while OCBC 90°N does it on Agoda too. If you lodge and fly together on those platforms, those boosts can be significant. Lounge access varies from two to four visits a year; HSBC and UOB PRVI give you four, which is handy if you fly across a few trips. Annual fees—when they apply—are often waived for the first year or with minimum spend, so check with the issuer before you apply.
| Card | Local Earn (miles per S$1) | Overseas Earn (miles per S$1) | Lounge Visits | Welcome Bonus (miles) | Miles Expiry |
|---|---|---|---|---|---|
| DBS Altitude | 1.3 | Up to 2.2 | 2 per year | Up to 38,000 | No expiry |
| Citi PremierMiles | 1.2 | 2 | 2 per year | 30,000 | No expiry |
| HSBC TravelOne | 1.2 | 2.4 | 4 per year | Up to 36,000 | Check with business |
| UOB PRVI Miles | 1.4 | Up to 6 (partners) / 2.4 | 4 per year | Up to 50,000 | Check with business |
| UOB KrisFlyer | Up to 2.4 (dining/travel) | 3 (SIA Group) | Check with business | 5,000 | Check with business |
| Standard Chartered Journey | Up to 3 (transport/groceries) / 1.2 | 2 | 2 per year | 30,000 | Check with business |
| OCBC 90°N | 1.3 | Up to 7 (Agoda) / 2.1 | Check with business | Check with business | No expiry |
Summary
Whether you want miles that never expire or higher rates on overseas spending, there is a card here that fits your travel style. The UOB KrisFlyer card is especially useful for Singapore Airlines regulars, while the DBS Altitude and Citi PremierMiles offer miles without end dates. Look for welcome bonuses and lounge visits to get started quickly, and pick a card whose bonus categories match where your money already goes.
Details can change; confirm the latest terms and benefits with the card issuer before applying. We have compiled all information from publicly available sources and do not guarantee it is complete.
Frequently asked questions
Which card has no miles expiry?
The DBS Altitude Card and OCBC 90°N Card both offer miles that never expire. Citi PremierMiles miles also do not expire.
Which card is best for Singapore Airlines flights?
The UOB KrisFlyer Credit Card earns 3 miles per S$1 on all Singapore Airlines Group purchases and fast-tracks you to KrisFlyer Elite Silver status.
Do these cards have annual fees?
Annual fee policies vary by card; many offer first-year waivers or fee waivers with minimum annual spend. Check the issuer’s website for the latest promotions.
Can I use the miles on any airline?
Most cards allow you to transfer miles to multiple airline partners. DBS Altitude and Citi PremierMiles have particularly broad transfer lists, while UOB KrisFlyer is focused on the Singapore Airlines programme.
What is a typical welcome bonus?
Welcome bonuses range from 5,000 miles on the UOB KrisFlyer to up to 50,000 miles on the UOB PRVI Miles card, depending on meeting a minimum spend requirement.
Do these cards include airport lounge access?
Yes, most include complimentary lounge visits: DBS Altitude and Citi PremierMiles offer two per year, HSBC TravelOne and UOB PRVI Miles offer four, and Standard Chartered Journey offers two. Check the exact terms for other cards.
