The Best Air Miles Credit Cards in Singapore for Frequent Flyers
Ask any Singaporean what their dreams are, and travelling the world is bound to come up at least 80% of the time in one form or another. We’re not sure why exactly, but this reason has driven the proliferation of air miles credit cards in Singapore, and it’s certainly a great way to get rewarded for spending with your credit card. If you haven’t got any, and you’re a frequent flyer, you’ll want to check out these top credit cards:
|UOB PRVI Miles Card||Citi PremierMiles Visa Card||DBS Altitude Visa Signature Card|
|Local Accrual rate (per S$1)||1.4 miles||1.2 miles||1.2 miles|
|Overseas Accrual rate (per S$1)||2.4 miles||2 miles||2 miles|
|Bonus Accrual rate (per S$1)||6 miles for spend on Expedia, Agoda, UOB Travel|| ||1.8 miles (local spend) or, 1 mile (foreign spend) on select online flight/hotel. |
7 miles (Kaligo)
3 miles (Expedia)
|Bonus miles||20,000 miles (min. annual spend $50,000)||10,000 miles (w. payment of annual fee)|
1. Best for Local Spend – UOB PRVI Miles Card
- S$1 = 1.4 miles (Local spend); S$1 = 2.4 miles (Overseas spend)
- S$1 = 6 miles for spends on major airlines and hotels booked through Expedia, UOB Travel, and Agoda
- No minimum spend and no cap on earned miles
- 20,000 loyalty miles every year with min. spend of S$50,000 in a year; Up to 8 complimentary airport transfers to Changi Airport in a year (Exclusively for UOB PRVI Miles American Express Card)
- Complimentary travel insurance coverage of up to S$1,000,000. T&Cs apply.
Long held as one of the best air miles cards in the market, the UOB PRVI Miles Card boasts a strong miles accrual rate for both local and overseas spend. Coupled with UOB’s other strong lifestyle benefits, you can see why this is still a popular card. Some key features of the card are:
- 6 miles per dollar for selected airline & hotel bookings at UOB Travel, Expedia & Agoda
- 2.4 miles per dollar for your overseas spend
- 1.4 miles per dollar for your local spend
- 20,000 bonus miles per year with a min. annual spend of $50,000 (only for the American Express version of the card)
- Free travel accident insurance of up to $1,000,000 when you book your flights with the card
- Sign up bonus: 12,000 miles with a minimum spend of $4,000 within the first 60 days from the card approval date.
The UOB PRVI miles card is offered either as a Visa, MasterCard or Amex credit card. All the cards have had their minimum income requirement lowered to $30,000 per annum so it is much more accessible now. If you had to choose a card to lump all your expenses into in order to gain air miles, this would be a great card to do just that. And it’s great for accruing miles on overseas spend too.
If you are interested in the UOB PRVI Miles Card, you can apply here.
2. Best Sign-Up Bonus – Citi PremierMiles Visa Card
- Get S$200 NTUC Fairprice OR CapitaLand Vouchers with Citibank!
- S$1 = 1.2 Citi Miles on Local spend
- S$1 = 2 Citi Miles on Foreign currency spend
- Earn up to 7 Citi Miles per S$1 spent on Agoda.com/bonusmiles (valid till 31 Jul 2019), 3 Citi Miles per S$1 spent on Expedia.com.sg/bonusrewards (valid till 31 May 2019) and 10 Citi Miles per S$1 spent on Kaligo.com/bonus-miles (valid till 31 Dec 2019)
- Citi Miles never expire
- Priority Pass™ membership gives you access to more than 600 airport lounges twice a year
- Complimentary Travel Accident Insurance up to S$1,000,000 coverage, Medical Assistance Programme and Travel Inconvenience Coverage
At 1.2 miles per $1 spent locally, this card may not have the best dollar to mile earn rates in Singapore. But the Citi PremierMiles Visa Card has an unbeatable sign-up bonus that can help you earn up to 42,000 miles. However, you must be new to Citibank to qualify. That means you can’t have had an active Citibank credit card for at least 12 months before applying. You must also have paid the first year annual fee of $192.60. Here’s how to earn the 42,000 air miles: When you apply and spend on the card within the first 3 months, you immediately earn 15,000 bonus miles. If you spend a total of $10,000 within the first 3 months, you earn another 15,000 bonus miles. And don’t forget the 1.2 miles per $1 spent locally! Because you’ve spent $10,000, that means you’ve also earned 12,000 air miles.
[Update: As of 1 Mar 2018, the Citi PremierMiles Card is no longer running the promotion.]
But don’t just get this card for the sign-up bonus! You’re also eligible for complimentary travel accident coverage of up to $1,000,000, as well as a complimentary Priority Pass membership to get you into hundreds of airport lounges.
If you are interested in the Citi PremierMiles Visa Card, you can apply here.
3. Best Card for Online Travel Booking – DBS Altitude Visa Signature Card
- S$1 = 1.2 miles (Local spend)
- S$1 = 2 miles (Overseas spend)
- S$1 = 3 miles (Online flight & Hotel transactions)
- 6 miles/S$1 spend at Expedia; 10 miles/S$1 spend at Kaligo
- Get 10,000 Bonus Miles when you renew your annual membership
- Enjoy 2 Complimentary Global Airport Lounge Access visits and get up to S$1 million travel accident insurance coverage for you and your family members
The DBS Altitude Visa Signature Card might have been forgotten for awhile, but it has definitely come back with a huge push to take its place amongst the competition.
While most other travel cards boast some kind of tie-up with a travel booking site, the DBS Altitude Visa Signature card is the only one that generously rewards you regardless of which website you book from. You can earn 3 air miles per $1 spent online, which means that you can earn with your Airbnb, Kayak or Skyscanner booking and are not limited to the deals on Agoda and Expedia.
The card boasts DBS Points that never expire, with an additional 10,000 bonus miles when you renew your card and pay your annual fee. And with its current double miles promotion, this card provides one of the fastest ways to accrue miles. Especially if you’ve no problem hitting a $2,500 spending mark already.
This is especially so if you travel a lot for work and you’re required to book your flights and accommodation first before being reimbursed by your company. You could easily rack up enough miles for a short trip at the end of the year with their accelerated miles accrual for online bookings.
If you are interested in the DBS Altitude Visa Signature Card, apply here.
Honourable Mention – American Express KrisFlyer Ascend
- Apply through MoneySmart from 22 Mar - 19 Apr 2018 to get S$100 worth of Grab OR NTUC Vouchers. Application must be approved by 3 May 2018. Submit your (i)Contact Details and (ii)14-digit Reference Number on the Thank You Page upon completion at this link before 19 April 2018. T&Cs
- 1.2 KrisFlyer Miles = S$1
- 2 KrisFlyer Miles = S$1 in foreign currency spent overseas on eligible purchases in June & Dec
- 3.2 KrisFlyer Miles = S$1 for Grab and Uber rides, capped at S$200 per month
- Spend above S$15,000 on eligible purchases on singaporeair.com within first 12 months of Card approval and get upgraded to KrisFlyer Elite Gold Membership
- Four complimentary lounge access to participating SATS Premier and Plaza Premium Lounge each year
- Complimentary night's stay each year at one of over 90 participating Millennium Hotels and Resorts properties worldwide
- Up to $1 million travel insurance coverage
The only reason the American Express KrisFlyer Ascend Credit Card doesn’t make the above list is because it might fall a little short across each category. However, it’s definitely one of the best all-rounded cards, with a decent earn rate of 1.2 air miles per $1 spent.
The main advantage of the American Express KrisFlyer Ascend card is the ability to earn KrisFlyer miles without additional conversion fees, unlike the other credit cards in this list. This convenience cannot be understated, since converting rewards points to air miles usually takes at least a week or more, and involves a conversion cost which people tend to ignore.
Also, even though it might not top the first 3 categories, American Express has definitely gone guns blazing with the variety of bonus miles being offered. Here’s just a quick list of what’s being offered:
- 5,000 Welcome bonus miles
- 15,000 bonus miles with $6,000 spend within first 3 months
- 1,500 miles for every supplementary card applied for
- 2,000 miles if you refer a friend, under their Member Get Member (MGM) program
On top of that, if you spend an additional $4,000 within the first 3 months, you can get a Samsonite Luggage case as well. And to top that all off, every $50 you spend in a month earns you a chance to win a Business Class ticket as part of their monthly giveaway. So, utilised the right way, you could actually accrue a significant amount of miles without having to spend as much as some of the other cards.
If you are interested in the American Express KrisFlyer Ascend Credit Card, apply here.
Got a favourite frequent flyer card? Comment and tell us about it!