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The Best Air Miles Credit Cards in Singapore (2023)

The Best Air Miles Credit Cards in Singapore (2023)

profileJustin Oh

So, you’ve decided to join the miles game and want to know which miles credit cards are the best.

But with a gazillion miles credit cards in Singapore, it’s extremely hard to suss out which cards you should sign up for.

Source: Giphy

Luckily, we’ve done the heavy lifting and sussed out the best miles credit cards in Singapore based on your spending habits.

Ready to earn miles and redeem some flight tickets? Read on!

Disclaimer: The cards listed in this article exclude corporate, private, premier, and invite-only credit cards. The information provided by Seedly serves as an educational piece and is not intended to be personalised investment advice. ​Readers should always do their own due diligence and consider their financial goals before investing in any investment product.


TL;DR: Best Air Miles Credit Cards in Singapore (2023)

If you are completely new to credit cards, do read through the ultimate guide to credit cards before coming back to read this article as there are a few things that you need to take note of such as fees and the danger of credit card debt.

Jump to:


Which Card Earns the Most Miles?

If I could recommend just one card that beats every other card, I would. Sad to say, there’s no such thing, and maximising your miles earnings highly depends on how you spend.

Thus, I’ve narrowed it down to the top cards based on the earn rate for each category! You may click on the card’s name for more details on the card and read reviews left by the Seedly community.

Jump to:

Best Miles Credit Cards for Local Spend/General Spending

Credit CardEarn RateMin. Annual Income
DBS Vantage Card1.5 mpd$120k
UOB PRVI Miles (Mastercard/Visa Signature/AMEX)1.4 mpd$30k
UOB Visa Infinite Metal Card1.4 mpd$150k
AMEX Singapore Airlines Solitaire PPS Credit Card1.3 mpd / 1.5 mpd above S$3,800 spend per month$30k
AMEX Singapore Airlines PPS Club Credit Card1.3 mpd / 1.4 mpd above S$3,800 spend per month$30k

Best Miles Credit Cards for Overseas Spend

Credit CardEarn RateMin. Annual Income
Citi Rewards Card0.4 mpd / 4mpd with Amaze$30k
UOB Visa Signature4 mpd with $1k min. spend$50k
SCB Visa Infinite Credit Card1 + 2 mpd with S$2k min. spend$30k
SCB Rewards+ Card2.9 mpd / 4mpd
with a Visa Infinite or X Card
$30k
UOB PRVI Miles (Mastercard/Visa Signature/AMEX)2.4 mpd$30k

When spending overseas with credit cards, do note that there are foreign currency conversion fees (usually 3.25%).

Best Miles Credit Cards for Flight Tickets and Hotel Bookings

Credit CardEarn RateMin. Annual Income
DBS Altitude Card (Visa Signature/AMEX)10 mpd on hotel transactions at Kaligo

6 mpd on flight and hotel transactions at Expedia

3 mpd on online flights & hotel transactions
(capped at S$5,000 per month)
$30k
Citi PremierMiles Card (Visa/Mastercard)10 mpd on hotel transactions at Kaligo

7 mpd on hotel transactions at Agoda (till 31 Jan 2023)
$30k
UOB PRVI Miles (Mastercard/Visa Signature/AMEX)6 mpd on major airlines and hotels worldwide via Agoda, Expedia, and UOB Travel$30k
DBS Vantage Card6 mpd on Expedia (till 31 Mar 2023)$120k
HSBC Revolution4 mpd on contactless spending and online transactions (limit $1K per month)$30k
UOB Visa Signature4 mpd on overseas spend including online. Transaction must be made in foreign currency.$50k

Best Miles Credit Cards for Online Shopping

Credit CardEarn RateMin. Annual Income
Citi Rewards Card4 mpd on online transactions$30k
HSBC Revolution4 mpd on contactless spending and online transactions (limit $1K per month)$30k
OCBC Titanium Rewards Card4 mpd on online and retail purchases (limit $12K per membership year)$30k
UOB Preferred Platinum Visa Card4 mpd on mobile contactless spend

4 mpd on online shopping and entertainment

Bonus miles capped at 4,000 miles per month, 0.4 mpd thereafter
$30k
DBS Woman’s World Card4 mpd on online purchases$80k

Best Miles Credit Cards for Dining

Credit CardEarn RateMin. Annual Income
HSBC Revolution4 mpd on contactless spending and online transactions (limit $1K per month)$30k
UOB Lady's Card4mpd (Dining must be chosen as a preferred category, capped at $1k per month)$30k
Maybank World Mastercard4 mpd on selected merchants via TREATS SG app$80k
UOB Lady's Solitaire4mpd (Dining must be chosen as a preferred category, capped at $3k per month)$120k
Maybank Horizon Visa Signature Card3.2 mpd on selected merchants via TREATS SG app$30k
SCB Smart Credit Card7.7 mpd (if you hold a Visa Infinite or X Card) or 5.6 mpd
on fast food (till 31 Dec 2023)
$30k

Best Miles Credit Cards for Petrol

Credit CardEarn RateMin. Annual Income
UOB Lady's Card4 mpd (Transport must be selected as preferred category, capped at $1k per month)$30,000
UOB Visa Signature Card4 mpd on petrol (except at Shell, SPC)$50,000
Maybank World Mastercard4 mpd on petrol$80,000
UOB Lady's Solitaire4 mpd (Transport must be selected as preferred category, capped at $3k per month)$120,000
Maybank Horizon Visa Signature Card3.2 mpd on petrol$30,000

Best Miles Credit Cards for Public Transport

Credit CardEarn RateMin. Annual Income
SCB Smart Credit Card7.7 mpd (if you hold a Visa Infinite or X Card) or 5.6 mpd
on public transport (till 31 Dec 2023)
$30,000
UOB Lady's Card4 mpd (Transport must be selected as preferred category, capped at $1k per month)$30,000
UOB Lady's Solitaire Card4 mpd on two of seven preferred categories (capped at $3k per month)$120,000
Maybank Horizon Visa Signature Card3.2 mpd on public transport$30,000
KrisFlyer UOB Credit Card3 mpd on everyday spend categories with min. S$800 annual spend
on KrisShop and Singapore Airlines Group
$30,000

Best Miles Credit Cards to Avoid Conversion Fees

Best Credit Cards for Complimentary Airport Lounge Access

Make Use Of SeedlyReviews To Further Narrow Down Your Choices

Alternatively, head over to SeedlyReviews and use the filters to further narrow down your card choices!

You can make use of the filters “card types” to find the best miles credit cards for your spending habits.

Read More

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How to Earn Miles?

Now that you have a rough idea of the best miles cards to use, there are a few things to take note when earning miles.

Firstly, you will need to be aware of what constitutes eligible spending. These can be found under the terms and conditions of your particular card.

Secondly, most cards except for KrisFlyer cards do not earn miles directly. Instead, they earn bank points which you can then convert to miles. Depending on the card and bank, you may also encounter conversion fees which range from $20 to $30 for a one-time conversion or a $40 to $50 a year option.

How Much Is 1 Krisflyer Mile Worth?

The short answer: a mile has an average value of 1.4 cents to 1.8 cents depending on who you ask.

The long answer? It really depends on you!

The value of a mile can vary greatly based on how you acquire your miles (purchasing outright) and what you redeem your miles for. We will use the KrisFlyer programme as it is the most common among Singaporeans.

If you choose to purchase miles, you can get them for about 1 cent per mile (cpm) to 2 cpm on average.

As for redemption, the value of a mile varies greatly depending on what you redeem it for. Here’s an example:

LondonEconomyPremium EconomyBusinessSuites/First
Base Fare$800.30$2,211.30$6,622.30$12,046.30
Miles required to fully redeem flight42,00071,000103,500141,000
Value per mile (rounded to 3 d.p.)1.905 cents3.114 cents6.398 cents8.543 cents

Based on a one-way ticket for 18 Oct 2022 and using the cheapest fares available.

As you can see, it becomes much more worth it when you use more miles to redeem upper-class flights.

If you’re unable to accumulate as many miles, you can opt to offset your flight ticket cost with miles (1.02 cpm) or redeem them for items (1.02 cpm or worse).

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Is It Worth It to Get a Miles Card?

The answer to this question depends as well.

Are you a frequent flyer or a high spender? If so, you should seriously consider getting a miles card to maximise your spending.

But for those of us who don’t fly as much and are more value-oriented, a cashback or rewards credit card is a better way to go.

The reason is that accumulating miles is a long and tedious process and if we were to look at the opportunity cost of using a miles card instead of a cashback card, most infrequent flyers would be better off with a cashback card in terms of value and flexibility (you can use cash for anything but only miles for flights/terrible redemption rates for items).

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About Justin Oh
Your average Zillennial who is obsessed with anime, games, movies and of course, personal finance. Join me as I break down personal finance into easily digestible and fun bits!
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