Best General Spending Miles/Cashback Credit Cards in Singapore (April 2024)

Last updated on 23 February 2024

Pick a category below to view the best cards

Must-
Haves

Sign-Up
Bonuses

Online
Shopping

Contactless

What are the Best Cards in Singapore for General Spending?

Have you maxed out the spending limits on other specialized cards? These are your last-resort options to receive uncapped (but much lower) earn rates on almost everything.

How are these cards chosen and ranked?

These cards are picked and ranked based on how they compare against other cards, based on these key factors:

1) Earn rates (miles/cashback)
2) Ease of use (spending/income requirements)
3) Miles/Points flexibility (total transfer partners)
4) Miles/Points expiry term
5) Annual fee
6) Other additional benefits

💡Click on the + Card Summary buttons below to instantly view the key details of each card!

Citi PremierMiles

Earn 1.2 mpd on local spend, 2 mpd on foreign currency

Apply now

🎁 Sign-up bonus

+ Card Summary

More information on the

Citi PremierMiles Mastercard

Suitesmile rating:

✍️ Short summary
This card gives you an uncapped earn rate of 1.2 miles per dollar on SGD spending and 2 miles per dollar on foreign currency spending.

This is a great backup card, if you have exhausted all your specialized cards with better earn rates.

Having many transfer partners and miles that do not expire gives you fantastic flexibility. Because of these 2 key factors, I recommend this card more than other general spending cards with slightly higher earn rates.

Cardholders are also entitled to 2 free airport lounge visits (via Priority Pass) per calendar year! For example, if you apply for the card in March 2023, you will get 2 free visits for the current year, plus 2 more free visits from 1 January the following year.

💸 Annual fee
$196.20
(First year waived, get 10,000 miles with subsequent annual fee payments)

💼 Income requirement
$30,000/year

🤑 Foreign currency fee
3.25%
(Avoid this fee by linking this card to Amaze!)

🛋️ Airport lounge access
2 free visits per calendar year via Priority Pass

⏰ Points expiry
Miles earned on this card do not expire!

🫱‍🫲 Transfer partners
KrisFlyer, Asia Miles, Miles&Smiles, Privilege Club and more!

💯 Transfer ratio
1 Citi mile = 1 mile

🧮 Transfer block
10,000 miles

💲 Transfer fee
$27 per transfer

🤗 Points/Miles pooling
Miles from this card cannot be combined with those from other Citi cards and can only be transferred out separately.

❓ How/When points are credited
Base miles are credited immediately when the transaction is posted.

📜 Terms & conditions

HSBC TravelOne

Earn 1.2 mpd on local spend, 2.4 mpd on foreign currency

Apply now

🎁 Sign-up bonus

+ Card Summary

More information on the

HSBC TravelOne Mastercard

Suitesmile rating:

✍️ Short summary
This card gives you an uncapped earn rate of 1.2 miles per dollar on SGD spending and 2.4 miles per dollar on foreign currency spending.

This is a great backup card, if you have exhausted all your specialized cards with better earn rates.

Having many transfer partners gives you fantastic flexibility. For this reason, I recommend this card more than other general spending cards with slightly higher earn rates.

Cardholders are also entitled to 4 free airport lounge visits (via DragonPass) per calendar year! For example, if you apply for the card in March 2023, you will get 4 free visits for the current year, plus 4 more free visits from 1 January the following year.

Cardholders are automatically enrolled into HSBC’s Mileage Programme, for free till 31 Jan 2025. Upon enrollment, cardholders can make unlimited points transfers, at no cost. (FYI: Most other cards charge about $25 fee per transfer)

Cardholders also get complimentary access to the ENTERTAINER with HSBC app, where there are over a thousand 1-for-1 deals on dining, entertainment and hotels.

💸 Annual fee
$196.20
(receive first-year waiver, if you don’t want the sign-up bonus)

💼 Income requirement
$30,000/year

🤑 Foreign currency fee
3.25%
(Avoid this fee by linking this card to Amaze!)

⏰ Points expiry
3 years from transaction
(37 to 38 months to be exact)

🫱‍🫲 Transfer partners
KrisFlyer, Asia Miles, Infinity MileageLands, Executive Club and more!

💯 Transfer ratio
2.5 points = 1 mile

🧮 Transfer block
25,000 points (10,000 miles)

💲Transfer fee
Free till 31 May 2024

🤗 Points pooling
Points from this card cannot be combined with those from other HSBC cards and can only be transferred out separately.

❓How/When points are credited
Base points are credited immediately when the transaction is posted.

📜 Terms & conditions

DBS Altitude

Earn 1.3 mpd on local spend, 2.2 mpd on foreign currency

Apply now

🎁 Sign-up bonus

+ Card Summary

More information on the

DBS Altitude Visa Signature Card

Suitesmile rating:

✍️ Short summary
This card gives you an earn rate of 1.3 miles per dollar on SGD spending, and 2.2 miles per dollar on foreign currency transactions.

Other great features include 2 free airport lounge visits (via Priority Pass) per year and that the miles/points earned on this card do not expire!

💸 Annual fee
$196.20
(First year waived, get 10,000 miles with subsequent annual fee payments)

💼 Income requirement
$30,000/year

🤑 Foreign currency fee
3.25%

🛋️ Airport lounge access
2 free visits per calendar year via Priority Pass

⏰ Points expiry
Points earned from this card do not expire!

🫱‍🫲 Transfer partners
KrisFlyer, Asia Miles, Qantas Frequent Flyer

💯 Transfer ratio
1 point = 2 miles

🧮 Transfer block
5,000 point (10,000 miles)

💲Transfer fee
$27 per transfer

🤗 Points pooling
Points from this card can be combined with those from other DBS cards and transferred out together at once.

❓How/When points are credited
Base points are credited immediately when the transaction is posted, while bonus points are credited around the middle of the following calendar month.

📜 Terms & conditions

UOB PRVI Miles

Earn 6 mpd on selected airlines, 1.4 mpd on local spend

Apply now

🎁 Sign-up bonus

+ Card Summary

More information on the

UOB PRVI Miles Mastercard

Suitesmile rating:

✍️ Short summary
This card gives you a great earn rate of 6 miles per dollar on air tickets on selected airlines (e.g. Turkish Airlines, Finnair, Thai Airways and more) booked via the dedicated Expedia link.

All other local transactions earn 1.4 miles per dollar, while foreign currency transactions earn 2.4 miles per dollar.

As this card only has 2 transfer partners, expiring points and no airport lounge benefit, it is hardly useful for Singapore-based travellers, considering the other options that we have.

💸 Annual fee
$261.60
(First year waived)

💼 Income requirement
$30,000/year

🤑 Foreign currency fee
3.25%
(Avoid this fee by linking this card to Amaze!)

⏰ Points expiry
2 years from transaction

🫱‍🫲 Transfer partners
KrisFlyer and Asia Miles

💯 Transfer ratio
1 UNI$ = 2 miles

🧮 Transfer block
5,000 UNI$ (10,000 miles)

💲 Transfer fee
$25 per transfer

🤗 Points pooling
UNI$ from this card can be combined with those from other UOB cards and transferred out together at once.

❓ How/When points are credited
Base UNI$ are credited immediately when the transaction is posted; bonus UNI$ within 3 months.

📜 Terms & conditions

Citi Prestige

Unlimited free airport lounge visits for two, 4th night free on hotel bookings

Apply now

🎁 Sign-up bonus

+ Card Summary

More information on the

Citi Prestige Mastercard

Suitesmile rating:

✍️ Short summary
This card gives you an uncapped earn rate of 1.3 miles per dollar on SGD spending and 2 miles per dollar on foreign currency spending.

Having many transfer partners and miles that do not expire gives you fantastic flexibility.

Cardholders are also entitled to unlimited free airport lounge visits (via Priority Pass) for the cardholder +1 guest and 4th Night Free on prepaid hotel bookings made through the Citi Prestige Concierge.

💸 Annual fee
$545
(Strictly no waiver. Comes with 62,500 points, equivalent to 25,000 miles)

💼 Income requirement
$120,000/year
(Can’t meet the income requirement? Visit a Citibank branch to apply for a secured card with a $10,000 fixed deposit)

🤑 Foreign currency fee
3.25%
(Avoid this fee by linking this card to Amaze!)

🛋️ Airport lounge access
Unlimited free visits per calendar year for 2 pax via Priority Pass

⏰ Points expiry
Points earned on this card never expires!

🫱‍🫲 Transfer partners
KrisFlyer, Asia Miles, Miles&Smiles, Privilege Club and more!

💯 Transfer ratio
2.5 points = 1 mile

🧮 Transfer block
25,000 points (10,000 miles)

💲 Transfer fee
$27 per transfer

🤗 Points pooling
Points from this card cannot be combined with those from other Citi cards and can only be transferred out separately.

❓ How/When points are credited
Base miles are credited immediately when the transaction is posted.

📜 Terms & conditions

HSBC Advance

Get up to 3.5% cashback on almost everything

Apply now

🎁 Sign-up bonus

+ Card Summary

More information on the

HSBC Advance Visa Card

Suitesmile rating:

✍️ Short summary
This card gives you 1.5% cashback on almost everything, with no minimum spending required. Cardholders can receive an additional 1% cashback when they spend at least $2,000 in a calendar month. Monthly cashback amount is capped at $70 ($2,800 worth of spending).

Cardholders can also get an additional 1% cashback (total 3.5%) with HSBC Everyday+ Rewards Programme. To qualify, cardholders will need to credit their salary or deposit at least $2,000 into the bank account and perform at least 5 transactions on the card. Additional 1% cashback is capped at $300 per calendar month.

Cardholders also get complimentary access to the ENTERTAINER with HSBC app, where there are over a thousand 1-for-1 deals on dining, entertainment and hotels.

💸 Annual fee
$196.20
(First year waived)

💼 Income requirement
$30,000/year

🤑 Foreign currency fee
3.25%

❓How/When cashback is credited
Cashback amount is credited into the card at the end of next calendar month.

📜 Terms & conditions

DBS Vantage

Earn 1.5 mpd on local spend, 2.2 mpd on foreign currency

Apply now

🎁 Sign-up bonus

+ Card Summary

More information on the

DBS Vantage Visa Infinite Card

Suitesmile rating:

✍️ Short summary
This card gives you an uncapped earn rate of 1.5 miles per dollar on SGD spending and 2.2 miles per dollar on foreign currency spending.

This is a great backup card, if you have exhausted all your specialized cards with better earn rates.

Like the entry-level DBS Altitude card, this card also gives you a fantastic 6 mpd earn rate on air tickets on selected airlines (e.g. Qatar Airways, Turkish Airlines, Finnair and more) and hotels booked via the dedicated Expedia link, up to $5,000 per calendar month.

Cardholders receive Accor Plus Explorer membership, which comes with 1 complimentary hotel stay in Asia Pacific and up to 50% off dining in Accor properties.

Cardholders are also entitled to 10 free airport lounge visits (via Priority Pass) per card membership year!

💸 Annual fee
$599.5
(Strictly no waiver. Comes with 12,500 points, equivalent to 25,000 miles)

💼 Income requirement
$120,000/year

🤑 Foreign currency fee
3.25%

⏰ Points expiry
3 years from transaction

🫱‍🫲 Transfer partners
KrisFlyer, Asia Miles, Qantas Frequent Flyer

💯 Transfer ratio
1 point = 2 miles

🧮 Transfer block
5,000 points (10,000 miles)

💲Transfer fee
$27 per transfer

🤗 Points pooling
Points from this card can be combined with those from other DBS cards and transferred out together at once.

❓How/When points are credited
Base points are credited immediately when the transaction is posted, while bonus points are credited around the middle of the following calendar month.

📜 Terms & conditions

Standard Chartered Journey

Earn 3 mpd on dining, groceries and ride-hailing

Apply now

🎁 Sign-up bonus

+ Card Summary

More information on the

Standard Chartered Journey Visa Card

Suitesmile rating:

✍️ Short summary
Cardholders can earn 3 miles per dollar on groceries, food deliveries and ride-hailing, up to $1,000 per statement month.

For other spending categories, this card gives you an uncapped earn rate of 1.2 miles per dollar on SGD spending and 2 miles per dollar on foreign currency spending.

Cardholders are also entitled to 2 free airport lounge visits (via Priority Pass) per card membership year.

💸 Annual fee
$196.20
(First year waived)

💼 Income requirement
$30,000/year

🤑 Foreign currency fee
3.5%

⏰ Points expiry
Points earned on this card never expires!

🫱‍🫲 Transfer partners
KrisFlyer and Asia Miles

💯 Transfer ratio
2.5 points = 1 mile

🧮 Transfer block
25,000 points (10,000 miles)

💲 Transfer fee
$27 per transfer

🤗 Points pooling
Points from this card can be combined with those from other Standard Chartered cards and transferred out together at once.

❓ When points are credited
Base points are credited immediately when the transaction is posted.

📜 Terms & conditions

UOB Absolute Cashback

Get unlimited 1.7% cashback on almost everything

Apply now

🎁 Sign-up bonus

+ Card Summary

More information on the

UOB Absolute Cashback American Express Card

Suitesmile rating:

✍️ Short summary
This card gives you unlimited 1.7% cashback on almost everything.

Earn just 0.3% cashback on certain spending categories like Healthcare, School Fees, Utilities and GrabPay e-wallet top-ups.

As compared to Visa and Mastercard, it can be harder to find merchants that accept AMEX cards outside the United States.

💸 Annual fee
$196.20
(First year waived)

💼 Income requirement
$30,000/year

🤑 Foreign currency fee
3.25%

❓How/When cashback is credited
Cashback amount is credited into the card by the end of the following statement month.

📜 Terms & conditions

Citi Cash Back+

Get unlimited 1.6% cashback on almost everything

Apply now

🎁 Sign-up bonus

+ Card Summary

More information on the

Citi Cash Back+ Mastercard

Suitesmile rating:

✍️ Short summary
This card gives you unlimited 1.6% cashback on almost everything.

💸 Annual fee
$196.20
(First year waived)

💼 Income requirement
$30,000/year

🤑 Foreign currency fee
3.25%
(Avoid this fee by linking this card to Amaze!)

❓How/When cashback is credited
Cashback amount is credited into the card at the end of the statement month. Cashback will only be credited in multiples of $10, when it amounts to at least $50. Any cashback amount earned but not yet credited will be brought forward to the following month.

📜 Terms & conditions