Quick answer: If you’re hunting for a travel credit card that piles on the miles without the expiry stress, the DBS Altitude Visa Signature Card and Citi PremierMiles Card both keep your miles alive forever. For the highest earn rates on foreign spending, the Standard Chartered Visa Infinite and UOB PRVI Miles lead the pack. Frequent lounge-hoppers will appreciate HSBC TravelOne’s four visits and OCBC Voyage’s unlimited access.
A travel credit card is a tool for making your time away work harder. The real question is not which card is best, but which one fits how you actually move. An impulsive weekend booker needs something very different from a careful long-haul planner. The list below sorts the options by the kind of traveller they suit, so you can pick the one that slots into your rhythm and get on with the packing list.
One of 33 guides in Best Credit Cards in Singapore — worth a look if you are still weighing options.
DBS Altitude Visa Signature Card
The DBS Altitude Visa Signature Card is a fuss-free companion for Singapore travellers who prefer slow-and-steady mile building. You earn up to 2.2 miles per S$1 on overseas spending and 1.2 miles locally, with two complimentary lounge visits per year and travel insurance included. The real draw: miles don’t expire. So you can take your time, no pressure to redeem by a certain date – steady lah. It’s a good pick for those who want to gradually accumulate miles for a big trip someday, without the sian feeling of watching points vanish.
- Phone: 1800 111 1111
- Address: 712A Ang Mo Kio Ave 6, #01-4066, Singapore 561712
- Operating Hours: Phone banking 24/7; branch hours vary (check DBS locator)
Website: DBS Altitude Visa Signature Card page
While you’re here: Best High-Income Credit Cards in Singapore for $120K Earners — if your income clears the premium-tier threshold.
This card suits the patient collector who does not want to track expiry dates. The miles sit quietly and accumulate at a reasonable pace whether you are booking a flight or just doing the weekly supermarket run. It is a safe, low-maintenance anchor for your wallet if your next big trip is still an agak agak date on the horizon.
UOB PRVI Miles Card
If you’re the sort who swipes your card across multiple continents, the UOB PRVI Miles Card is worth a look. It gives up to 2.4 miles per S$1 on foreign currency transactions and 1.4 miles locally, with bonus miles on hotel and flight bookings. You get complimentary lounge access and travel insurance. The overseas earn rate is pretty shiok for frequent international jaunts. It suits the executive who regularly heads out of Singapore for meetings or holidays and wants a card that rewards every overseas receipt aggressively.
We keep these lists updated by hand. If you run something that fits, get in touch before the next revision.
If you’re keen to explore more ways to collect miles, check out our guide on Air Miles Credit Cards in Singapore for Elevated Travel Experiences.
- Phone: 1800 222 2121
- Email: [email protected]
- Address: 50 Jurong Gateway Road, #02-15 JEM, Singapore 608549
- Operating Hours: Phone banking 24/7; branch hours vary (check UOB locator)
Website: UOB PRVI Miles Card page
Frequent overseas spenders will notice the higher earn rate right away. This card works well when a single trip covers multiple cities across different currencies, letting you consolidate all that foreign spend into one tidy mileage statement. The bonus categories for flights and hotels add a helpful push for those who book their own business travel.
Citi PremierMiles Card
The Citi PremierMiles Card keeps things simple and flexible. Earn 2 miles per S$1 overseas and 1.2 miles locally, with two free lounge visits and travel insurance. Miles never expire, and you can convert to a wide range of airline frequent flyer programmes. If you value choice and freedom over fixed redemption rules, this card is a safe bet. It’s perfect for planners who like to keep options open – maybe switch to a different airline for that one-off bucket-list flight.
- Phone: +65 6225 5225
- Email: [email protected]
- Address: 5 Changi Business Park Crescent #05, Singapore 486027
- Operating Hours: Phone banking 24/7; wealth centre hours Mon–Fri, 9:30 AM – 5:00 PM
Website: Citi PremierMiles Card page
The flexibility to transfer points to a wide range of frequent flyer programmes makes this a pragmatic choice for someone who refuses to be locked into a single airline. It is a steady partner for the planner who likes holding miles that hold their value. Two lounge visits a year offer a quiet pre-flight buffer without any complicated conditions.
HSBC TravelOne Credit Card
The HSBC TravelOne Credit Card blends convenience and comfort. Overseas spend earns 2.4 miles per S$1, while local spend gives 1.2 miles. You get four complimentary lounge visits each year and travel insurance that covers COVID-19. What sets it apart is the HSBC app – you can instantly redeem miles for flights and hotels right on your phone. Perfect for the spontaneous traveller who books trips over kopi and hates waiting for points to clear.
- Phone: +65 6472 2669 (Personal Banking), +65 6227 8889 (HSBC Premier)
- Address: Branches islandwide; check the branch locator for the nearest one.
- Operating Hours: Phone banking 24/7; branch hours vary
Website: HSBC TravelOne Credit Card page
This card is built for the mobile-first traveller who decides on a Friday and flies on a Saturday. The ability to redeem miles instantly for flights and hotels through the app cuts out the waiting and the phone calls. With four lounge visits and COVID-19 cover included, it packs a lot of practical insurance for short, spontaneous breaks.
Standard Chartered Visa Infinite Card
Standard Chartered Visa Infinite Card is for those who want serious mileage on foreign spending: up to 3 miles per S$1. It comes with six lounge visits and travel insurance up to S$1,000,000. Miles don’t expire. If you’re a high-net-worth globetrotter who puts a lot through foreign transactions, this is the card that will rack up miles fast. It’s particularly handy when you’ve got a string of overseas client dinners and big-ticket business expenses to charge.
For those who enjoy the finer things, Singapore&# ;s Pinnacle of Prestige covers premium cards that go beyond travel perks alone.
- Phone: +65 6747 7000
- Email: [email protected]
- Address: 8 Marina Blvd, #01-01, Marina Bay Financial Centre Tower 1, Singapore 018981
- Operating Hours: Phone full services 8am to 8pm, urgent services 24/7; branch hours vary
Website: Standard Chartered Visa Infinite Card page
The earn rate on foreign currency transactions is the headline, making this a strong engine for anyone with substantial overseas personal or business spend. Six complimentary lounge visits and high-coverage travel insurance mean the card does not just earn miles; it seriously upgrades the journey itself. The miles sit permanently, waiting for a big redemption.
Maybank Horizon Visa Signature Card
Maybank Horizon Visa Signature Card is a solid choice if you spend a lot on air tickets and foreign currency: up to 2.8 miles per S$1 on those categories. It also gives lounge access when you hit qualifying spends, plus fuel discounts. It’s a practical card for frequent fliers who also drive – a small extra when you’re filling up after the airport run.
- Phone: 1800 629 2265
- Address: 2 Battery Road, Maybank Tower, Singapore 049907
- Operating Hours: Contact centre 8am to 8pm – full services, 8pm to 8am – emergency services only; branch hours vary
Website: Maybank Horizon Visa Signature Card page
A practical workhorse if air tickets and petrol make up two solid line items in your monthly budget. The card rewards the full cycle of a trip: booking the flight, spending overseas, and even refuelling the car on the way home from Changi. The lounge access via qualifying spend is a neat extra for those who travel regularly enough to trigger it.
OCBC Voyage Card
OCBC Voyage Card is the atas option for lounge lovers. It offers unlimited access to more than 1,200 lounges worldwide, miles with no expiry, and partnerships with nine airline and hotel partners. Invitation-only, so it comes with premium concierge services. If you value airport comfort above all else – a quiet seat, a proper meal, a hot shower before the flight – this is hard to beat. The earn rates and redemption ease make it a mainstay for Singapore’s well-heeled travellers.
We keep these lists updated by hand. If you run something that fits, get in touch before the next revision.
- Phone: 1800 363 3333
- Address: 65 Chulia Street, OCBC Centre, Singapore 049513
- Operating Hours: Phone banking 24/7 (urgent enquiries 12am to 7:59am); branch hours vary (check OCBC locator)
Website: OCBC Voyage Card page
How to choose
Think about what you care about most – miles that never expire, highest earn rates on overseas spending, lounge access, or flexibility to redeem instantly. If the thought of losing your hard-earned miles makes you sian, go for DBS Altitude, Citi PremierMiles, Standard Chartered Visa Infinite, or OCBC Voyage – all keep miles forever. For sheer earning power abroad, Standard Chartered’s 3 miles per dollar is top, with UOB PRVI Miles at 2.4 close behind. Frequent lounge-hoppers: OCBC Voyage unlimited, SC Infinite 6, HSBC TravelOne 4. If you love booking on the fly, HSBC’s in-app redemptions are a joy. Maybank Horizon is worth a close look if a big chunk of your spending is on air tickets and you also drive. Annual fees vary, so check directly with the bank – many waive the first year.
If you’re just starting out with credit cards and want to understand simpler, everyday options first, Singapore&# ;s Elite Essentials offers a gentler introduction.
| Card | Overseas Miles/S$1 | Local Miles/S$1 | Miles Expire? | Complimentary Lounge Visits | Annual Fee |
|---|---|---|---|---|---|
| DBS Altitude Visa Signature | 2.2 | 1.2 | No | 2 per year | Check with the business |
| UOB PRVI Miles | 2.4 | 1.4 | Check with the business | Complimentary (details not specified) | Check with the business |
| Citi PremierMiles | 2.0 | 1.2 | No | 2 per year | Check with the business |
| HSBC TravelOne | 2.4 | 1.2 | Check with the business | 4 per year | Check with the business |
| Standard Chartered Visa Infinite | 3.0 | Check with the business | No | 6 per year | Check with the business |
| Maybank Horizon Visa Signature | 2.8 (air tickets & foreign currency) | Check with the business | Check with the business | Upon qualifying spends | Check with the business |
| OCBC Voyage | Check with the business | Check with the business | No | Unlimited (>1,200 lounges) | Check with the business |
Summary
Each of these cards plays to a different travel style – from forever miles for the patient planner to instant redemptions for the spontaneous scrambler, and from unlimited lounge access for the comfort-seeker to sky-high overseas earn rates for the heavy foreign spender. Pick the one that aligns with the trips you actually take, and you’ll find the perks quickly pay their way.
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. We disclaim any liability for inaccuracies or omissions. If you find any errors or have concerns about the content, please let us know so we can address them promptly.
Frequently asked questions
Unlimited lounge access is the defining feature here, making every layover a chance for a proper meal, a shower and a quiet seat. This card is an invitation-only product aimed at those who view airport comfort as a non-negotiable part of the trip, not an occasional treat. The miles never expire, so you can redeem on your own schedule in premium peace.
Which card offers the highest miles per dollar for overseas spending?
The Standard Chartered Visa Infinite Card earns up to 3 miles per S$1 on foreign transactions, followed by UOB PRVI Miles at 2.4.
Do any of these cards keep miles permanently without expiry?
Yes, the DBS Altitude, Citi PremierMiles, Standard Chartered Visa Infinite, and OCBC Voyage cards all offer miles that never expire.
Which travel credit card provides unlimited lounge access?
The OCBC Voyage Card grants unlimited access to more than 1,200 lounges worldwide for the primary cardholder.
Are these cards suitable for occasional travellers who just want some insurance?
All seven cards include travel insurance, so even a casual yearly trip will have coverage. The HSBC TravelOne also covers COVID-19.
Can I redeem miles instantly on my phone?
The HSBC TravelOne Credit Card allows instant redemptions for flights and hotels via the HSBC app.
Do any of these cards waive the annual fee?
Annual fee policies differ; many offer a first-year waiver or fee reduction. Check directly with the bank for current promotions.
