7 Best Credit Cards for Miles Singapore: 2025 Comparison

Miles credit cards are useful for frequent travelers to maximise travel rewards including earning extra miles, getting upgrades and other perks like lounge access and insurance.

In this guide we'll cover some options for the best credit card for miles Singapore, looking at card comparisons, earning rates, and fees. We'll also introduce the Wise card, a handy travel companion to make seamless card payments when you're overseas.

How do credit cards for miles work?

You might be looking for the best credit card for KrisFlyer miles because you use SIA often, or maybe you want the best air miles credit card in Singapore to cash in your rewards on upgrades and treats with different airlines. With your preferred card, you’ll earn miles or reward points redeemable directly with airlines or hotels, or through the card provider’s app.

Different cards have quite different mechanics for reward earning - so it’s important to compare a few to find the highest miles credit card based on your normal habits. This guide walks through a few to consider, including our selections for low fees, miles that don’t expire, and also the best miles card for overseas spend so you can use your card when you cash in your free flights. This can help you pick the best credit card to earn miles, based on your travel and spending habits.

What to look out for when choosing a credit card for miles

• Minimum income requirements: - This determines your eligibility for premium cards and helps you avoid unnecessary application rejections
• Annual fees - Evaluate if the value of the miles and perks outweigh the yearly cost, considering any waiver conditions
• Foreign transaction charges - These fees can push up your overseas spending costs, so look for cards that minimise or waive them for international use
• Other perks and benefits - Beyond miles, assess if included benefits like lounge access or travel insurance align with your lifestyle and make the card worth it

Which is the best card to earn miles?

We’ll kick off with a head to head comparison of the cards we examine in this guide - there’s more coming up about each right after, so you can assess if any fits your unique needs.

*Details correct at time of research - 9th June 2025

HSBC TravelOne Credit Card: For instant in-app reward redemption

The HSBC TravelOne credit card is marketed as the first HSBC card to offer instant redemption for airline and hotel rewards, through the HSBC app. It’s a flexible card with moderate income requirements, which is also available as a secured card if you’re happy to lock away a deposit of 10,000 SGD. This makes it suited to a broad range of customers looking to maximise mile earning, particularly if you’ll spend over 25,000 SGD and therefore get the annual fee waived.

• Minimum annual income:
  • Singapore citizens and permanent residents: 30,000 SGD (40,000 SGD if you’re self employed
  • Foreigners - 60,000 SGD
  • Also available as a secured card with a fixed deposit of 10,000 SGD
• Annual fee: 196.20 SGD (waived with spend of 25,000 SGD from year 2 onwards)
• Welcome bonus: Up to 36,000 miles for new customers, subject to minimum spend
• Miles earning rate:
  • 1.2 mile per $1 on local spending
  • 2.5 miles per $1 overseas
• Points expiry: Points expire 37 months after the month they are earned⁸
• Foreign transaction fee: 3.25%

DBS Altitude Card: For points that don’t expire

You can get the DBS Altitude Card on either the American Express or Visa card network, with slight variations in the rewards and perks you get depending on the network selected. In either case, there’s an annual fee waiver in the first year you hold your card, so you can test out its usefulness without fixed costs - plus there are sign up bonuses for new customers. While the earning rate on overseas spending is pretty high, it’s worth watching out for the foreign transaction fee which is 3.25%.

• Minimum annual income
  • Singapore citizens and permanent residents - 30,000 SGD
  • Foreigners - 45,000 SGD
• Annual fee: 196.20 SGD with a first year card fee waiver
• Welcome bonus: Up to 38,000 miles for new customers, with a promo code
• Miles earning rate
  • Up to 1.3 miles per $1 on local spend
  • Up to 2.2 miles per $1 spend on overseas spending - promotional offers may mean a higher earning rate is offered from time to time on certain destinations
• Points expiry: Points do not expire
• Foreign transaction fee: 3.25%⁹

KrisFlyer UOB Card: Best for KrisFlyer miles

If you fly a lot with Singapore Airlines or Scoot, and want a good way to double down on your rewards, the KrisFlyer UOB Card might appeal. There are extra opportunities to earn rewards when you spend with SIA and partner companies, and you can also get other associated discounts, promotions and benefits - including quick advancement through the KrisFlyer tiers to earn more and get more from your flights.

• Minimum annual income
  • Singapore citizens and permanent residents - 30,000 SGD
  • Foreigners - 45,000 SGD
• Annual fee: 196.20 SGD with a first year card fee waiver
• Welcome bonus: 5,000 KrisFlyer miles
• Miles earning rate:
  • 3 miles per $1 spend on Singapore Airlines and associated purchases.
  • Up to 2.4 miles per $1 spend on other purchases, based on category and meeting eligibility requirements
• Points expiry: Miles are governed by KrisFlyer prevailing terms and conditions - look in the Singapore Air app to see the expiry dates which apply
• Foreign transaction fee: 3.25%¹⁰

UOB PRVI Miles Card: Best for overseas spending

The UOB PRVI Miles Card has one of the highest mile per dollar rates for overseas spending, with up to 5 miles per dollar available on shopping and dining, and up to 3 miles per dollar on all other overseas spend. This offer also applies to online shopping on overseas websites. Other travel perks are also thrown in including 4 airport lounge visits annually and higher reward earning opportunities with some partner travel and hotel chains. That may make this an appealing card for frequent travellers, but the foreign transaction fee of 3.25% may be a drawback.

• Minimum annual income
  • Singapore citizens and permanent residents - 30,000 SGD
  • Foreigners - 40,000 SGD
• Annual fee: 261.60 SGD with a first year card fee waiver
• Welcome bonus: Not marketed at time of research
• Miles earning rate: Up to 1.4 miles per $1 locally. Up to 5 miles per $1 when spending overseas
• Points expiry: Points expire 2 years after earning¹¹
• Foreign transaction fee: 3.25%¹²

Citi Premier Miles Card: For miles that don’t expire

The Citi Premier Miles Card is optimised for travel use, with perks like 2 lounge visits annually, higher reward earning when you spend abroad, and no cap on the amount of miles you can earn. Miles don’t expire so you can continue to collect them for as long as you need to based on your personal preferences. As with many travel cards, there’s a foreign transaction fee which can mean that spending overseas costs more compared to spending locally in Singapore.

• Minimum annual income
  • Singapore citizens and permanent residents - 30,000 SGD
  • Foreigners - 42,000 SGD
• Annual fee: 196.20 SGD with a first year card fee waiver
• Welcome bonus: Up to 30,000 miles available
• Miles earning rate
  • Up to 1.2 miles per $1 locally
  • Up to 2.2 miles per $1 when spending overseas
• Points expiry: Miles do not expire
• Foreign transaction fee: 3.25%¹³

Standard Chartered Visa Infinite Card: Best for online shopping

For Standard Chartered Priority and Private Banking customers, the Standard Chartered Visa Infinite Card is available with a fairly low minimum income requirement - but if you’re not in this group, you need 150,000 SGD annually to apply. Once you have a card, you’ll get up to 3 miles per dollar when you spend overseas, but there is a pretty high annual and foreign transaction fee to pay. This card can suit people who spend online as there’s a digital card which can be used when shopping with ecommerce sites for added security - as there’s no mile expiration you can also collect points and miles as quickly or as slowly as you like.

• Minimum annual income: 30,000 SGD - 150,000 SGD
• Annual fee: 599.50 SGD
• Welcome bonus: Up to 50,000 Welcome Miles when you pay your annual fee
• Miles earning rate
  • Up to 1.4 miles per dollar for local spending
  • Up to 3 miles per dollar on foreign spending
• Points expiry: Miles do not expire
• Foreign transaction fee: 3.5%¹⁴

Maybank Horizon Visa Signature Card: Best for everyday spending

Our final pick is the Maybank Horizon Visa Signature Card which has different eligibility requirements depending on whether you’re from Singapore, Malaysia, or elsewhere. Foreign applicants must have been in employment for at least a year when they apply, and need to meet a higher minimum income. Once you have a card you can earn on all spending including things like insurance and medical spend.

• Minimum annual income:
  • Singapore citizens and permanent residents - 30,000 SGD.
  • For Malaysian citizens - 45,000 SGD
  • For other foreigners - 60,000 SGD
• Annual fee: 196.20 SGD
• Welcome bonus: Claim a piece of luggage. Subject to meeting spend requirements
• Miles earning rate:
  • 2.8 miles per $1 on foreign spending and flights
  • 1.2 miles per $1 on most other spending
• Points expiry: Expiry is indicated in the Maybank Treats app¹⁵
• Foreign transaction fee: 3.25%¹⁶

Travelling soon? Bring the Wise card along to maximise your foreign currency transactions

Using a credit card can be a smart way to rack up bonus rewards, points and miles - but it can also mean extra fees when you travel. Consider using your credit card smartly at home, and pop the Wise card in your wallet the next time you’re overseas.

The Wise card lets you spend in 40+ currencies at the mid-market rate including MYR, JPY, CNY, and USD so you know you'll be getting a great deal in over 150+ countries. Simply create a free Wise account, order a card and top-up SGD to get started.

Virtual cards are free and can be added to your Google or Apple Pay wallet, while a physical Wise card can be ordered for a low fee of 8.50 SGD. Having a physical Wise card allows you to make chip and pin payments, as well as 2 free ATM withdrawals to the value of 350 SGD each month, before low fees start.

While abroad, you can choose to spend with directly in SGD and let auto-conversion do the trick, or convert to your desired currency with your Wise account. Either way, you’ll get the exchange rate you see on Google, with low, transparent fees from 0.26%.

💳 Get your Wise card

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