Best Miles Credit Card Singapore: Top Picks for Jetsetters

If you’re an avid traveller, you know the importance of having a miles credit card. Miles credit cards, also known as travel credit cards, allow you to earn points or miles for every dollar you spend, which you can later redeem for travel-related expenses, such as flights, hotels, and car rentals. In Singapore, there are several miles credit cards to choose from, each with its own set of benefits and features.

A hand holding a credit card with "Best Miles" written on it, against a backdrop of iconic Singapore landmarks like Marina Bay Sands and the Singapore Flyer

Choosing the best miles credit card can be a daunting task, but it doesn’t have to be. With a little research and careful consideration, you can find a card that suits your needs and preferences. Some factors to consider when choosing a miles credit card include the rewards rate, annual fees, sign-up bonuses, and redemption options. By selecting a card that aligns with your spending habits and travel goals, you can maximise your rewards and enjoy a stress-free travel experience.

Key Takeaways:

  • Choosing the best miles credit card in Singapore requires careful consideration of factors such as rewards rate, annual fees, and redemption options.
  • Maximising miles on everyday spending can help you earn more rewards and make the most of your miles credit card.
  • Understanding the terms and conditions of your miles credit card is crucial to avoid any surprises or hidden fees.

Choosing the Best Miles Credit Card

A hand holding a credit card with a world map in the background, surrounded by images of airplanes and travel destinations

If you’re a frequent traveller, choosing the right miles credit card can help you earn rewards quickly and easily. However, with so many options available, it can be challenging to determine which card is the best fit for you. Here are some factors to consider when selecting the best miles credit card for your needs.

Understanding Miles Rewards

When comparing miles credit cards, it’s essential to understand how miles rewards work. Typically, miles are earned for every dollar spent on the card, and these miles can be redeemed for flights, hotel stays, and other travel-related expenses. Some cards offer bonus miles for specific purchases, such as dining or petrol.

It’s crucial to consider the value of each mile when comparing different credit cards. Some cards may offer more miles per dollar spent, but these miles may have a lower redemption value. Therefore, it’s essential to compare the miles per dollar ratio and the redemption value to determine which card offers the best value for your spending.

Comparing Annual Fees and Waivers

Many miles credit cards come with an annual fee, which can range from $0 to several hundred dollars. While cards with higher annual fees may offer more significant rewards, it’s essential to consider whether these rewards justify the cost of the annual fee.

Some credit cards offer an annual fee waiver for the first year, making them a great option for those who want to try out a new card without committing to a long-term cost. Additionally, some cards may offer an annual fee waiver if you meet specific spending requirements, making it easier to justify the cost of the card.

When comparing different miles credit cards, be sure to consider the annual fee and any potential fee waivers carefully. It’s essential to determine whether the rewards offered by the card justify the cost of the annual fee, and whether any fee waivers are available to help offset this cost.

By considering these factors, you can choose the best miles credit card for your needs and start earning rewards for your travel expenses. Take the time to compare different cards and consider your spending habits to find the card that offers the best value for your money.

Maximising Miles on Everyday Spending

A person swiping a credit card at a grocery store checkout, with a prominent miles rewards logo displayed on the card

When it comes to maximising the miles you earn on everyday spending, there are a few key categories to focus on. By using the right credit card, you can earn miles on everything from dining and food delivery to online and local shopping, transport, and Grab transactions.

Dining and Food Delivery

If you frequently dine out or order food delivery, look for a credit card that offers bonus miles in this category. For example, the Citi PremierMiles Card offers 3 miles per $1 spent on dining and food delivery, while the UOB PRVI Miles Card offers 2.4 miles per $1 spent on dining.

Online and Local Shopping

For online and local shopping, look for a credit card that offers bonus miles on these types of transactions. The Maybank Horizon Visa Signature Card offers 3.2 miles per $1 spent on local and overseas shopping, while the DBS Altitude Visa Card offers 1.2 miles per $1 spent on local shopping and 2 miles per $1 spent on overseas shopping.

Transport and Grab Transactions

If you frequently use public transport or Grab, look for a credit card that offers bonus miles on these types of transactions. The Standard Chartered Visa Infinite X Card offers 1.4 miles per $1 spent on local transport and 3 miles per $1 spent on Grab transactions, while the OCBC 90°N Card offers 4 miles per $1 spent on Grab transactions.

By using the right credit card and focusing on these key categories, you can maximise