Best DBS Miles Credit Card for Singapore: Altitude Visa, Altitude American Express or DBS Vantage?

If you travel a lot and want to make the most of DBS credit card miles you might like the DBS Altitude Card¹ (Visa or American Express) or the DBS Vantage card². These cards have easy options for DBS miles redemption to Krisflyer miles, and also access to other travel and lifestyle perks, benefits and discounts.

This guide is here to help you pick the best DBS credit card for Krisflyer miles, including a look at the DBS altitude card benefits, and how the Vantage card measures up. We'll also introduce the Wise card, a handy travel companion to make seamless card payments when you're overseas.

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

If you’re specifically thinking of using a credit card to convert DBS points to Krisflyer Miles, Asia Miles, Qantas points or Air Asia points, you’ve got a few great options. Rewards can also be redeemed as other perks and benefits, offering flexibility for different customer needs.

Before you choose the card for you, it can pay to examine the DBS miles credit card conversion rates so you’ll know you’re getting the best rewards available. You’ll also need to check out:

• 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

Best DBS Credit Card for Miles in Singapore

Let’s start with an overview of the top picks for the best DBS Credit Card for Miles in Singapore - these cards have their own features, fees and eligibility requirements, as well as some great promotional deals. You’ll need to weigh up the pros and cons - including the costs - of each to help you decide.

*Details correct at time of research - 5th June 2025

DBS Altitude Visa Credit Card

The DBS Altitude Visa Credit Card is available with a minimum income of 30,000 SGD or 45,000 SGD for foreigners living legally in Singapore. It’s a good option for anyone who wants a card on a globally accepted network which has simple ways to convert to Krisflyer miles, including autoconversion options.

At the time of writing, the DBS Altitude Visa Credit Card has a sign-up bonus of up to 38,000 miles with a promo code if you’re a new customer at DBS. There are also periodic promotions offering higher rewards earning opportunities for certain spend categories, for example. Other benefits include the opportunity to earn up to 10,000 additional miles when you pay your annual fee. This fee is waived in the first year automatically, and may be waived in subsequent years if you spend a minimum of 25,000 SGD over the year. However, if you have your fee waived, the bonus miles offer won’t apply in full.

As well as all of these perks, there are also DBS Visa Altitude special offers across categories like travel, lifestyle and shopping⁴. You’ll get DBS Altitude Card lounge access twice a year through a Priority Pass, as well.

There’s a fee to convert your DBS Points to miles, which usually applies per redemption. However, with this card you can also join the Krisflyer Miles Auto Conversion Programme⁵ which allows you to pay an annual fee for automatic conversion on a quarterly basis. This offer is only for select credit cards, including the DBS Altitude Card, and can mean you pay less overall in redemption fees - handy if your primary aim with this card is to earn Krisflyer miles as efficiently as possible.

DBS Altitude American Express Credit Card

The DBS Altitude American Express Credit Card offers many of the same benefits as the Altitude Visa card, with a few differences in the perks, offers and network acceptance. The eligibility requirements are similar, there are Amex exclusive discounts, and also access to the American Express Essentials service with this card.

As with the DBS Altitude Visa Credit Card there are sign-on promotions available from time to time which can see you gaining extra points to convert to miles. Plus, if you don’t have your annual fee waived, you stand to earn an extra 10,000 miles when you pay. Another big perk is the Krisflyer Miles Auto Conversion Programme which lets you automatically switch points to miles on a quarterly basis, for a lower cost than manually changing every few months.

Many of the perks offered on the Visa version of this card - including the DBS Altitude Priority Pass that gives you 2 lounge visits annually still apply. However, the DBS Altitude American Express Credit Card is distinct from the Visa version of this card, and offers its own features and rewards⁶. You can get discounts and deals with select retailers and travel providers, and also unlock Amex exclusives. The foreign transaction fee is also slightly lower compared to the Visa, at 3%.

It’s important to weigh up the benefits when you choose between DBS Altitude Visa vs Amex, considering the fact that American Express isn’t always as globally accepted as Visa or Mastercard. Having an Amex as well as a card on another network is a common tactic to maximise reward earning potential without risking being unable to pay when you’re overseas.

DBS Vantage Visa Infinite Credit Card

The DBS Vantage Visa Infinite Credit Card has a high minimum income requirement, but comes with premium perks including ten airport lounge access passes per year, free hotel stays, travel perks and the option to take your rewards as either miles or cash back.

The DBS Vantage Visa Infinite Credit Card has a high annual fee, which can not be waived in the first year. However, in subsequent years the fee is waived subject to spending at least 60,000 SGD annually. In years that you do pay the fee, there’s a bonus reward, which stands at 12,500 DBS Points (25,000 miles).

This card is aimed at high earning individuals who are looking for lifestyle and travel benefits, and as such there are some great rewards on offer for trips away, dining and hotel stays. You’ll get Accor Plus membership as part of the package, which offers exclusive savings at over 1,400 restaurants, plus discounts in many other locations.

There’s a sign on bonus at the time of research which can allow you to get as much as 60,000 miles, including the normal reward of 12,500 DBS Points when you pay your fee, and an additional 35,000 miles (awarded in the form of 17,500 DBS Points) if you meet a minimum spend requirement.

👀 Looking for a travel card to maximise your overseas spending? See how Wise compares with other multi-currency cards like Revolut and Youtrip in Singapore.

Understanding DBS Rewards and Miles Conversion Rates

Let’s finish up with a quick overview on the DBS rewards programme.

How to earn DBS Points?

You’ll earn DBS points as you spend, according to the card’s earning rate. This rate usually varies by the category of spending - at home or overseas, for example. You may also benefit from periodic bonus earning opportunities on certain spending types.

How to convert DBS Points to KrisFlyer miles?

If you’re wondering how to convert DBS points to miles it’ll depend on the card you select. You can choose manual redemption on all 3 of the cards we’ve profiled here - but the Altitude cards also have the option to sign up for an annual automatic conversion which can work out cheaper.

For the cards we’ve looked at in this guide, the redemption rate is 1 DBS Points = 2 KrisFlyer miles.

Alternative: Convert DBS Points to KrisPay miles

You can also switch your DBS Points to KrisPay miles in the Kris+ app. KrisPay Miles can be redeemed from a wide range of merchants as discounts and against purchases.

The redemption rate is 100 DBS Points = 170 KrisPay miles⁷.

If you change your mind later you can easily convert your KrisPay miles to KrisFlyer miles for flights at a 1:1 rate.

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

While air miles credit cards offer excellent rewards for travel, remember that foreign transaction fees can add unexpected costs when used abroad.

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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