Last updated on 13 February 2025
Pick a category below to view the best cards
What are the Best Cards in Singapore for Air Tickets?
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
| DBS Woman’s World | 4 mpd • Online only • Up to $1,500 per calendar month |
| UOB Lady’s | 4 mpd • Travel category must be pre-selected • Up to $1,000 per calendar month |
| Chocolate Card | No foreign currency fee + 2 mpd • In foreign currency only • Up to $1,000 per calendar month • No annual fee, ever |
| Trust Cashback | No foreign currency fee + 1% cashback • In foreign currency only • No annual fee, ever |
| UOB Visa Signature | 4 mpd • In foreign currency or contactless only • Min. spend $1,000 per statement month • Up to $2,000 per statement month |
| Maybank Horizon | 2.8 mpd • Min. spend $800 per calendar month • Up to $10k per calendar month |
| Maybank World | 2.8 – 3.2 mpd • In foreign currency only • Min. spend $800 per calendar month for 2.8 mpd • Min. spend $4,000 per calendar month for 3.2 mpd |
| UOB PRVI Miles | 6 mpd • Selected airlines booked via dedicated Expedia page only |
| KrisFlyer UOB | 3 mpd • Singapore Airlines, Scoot, Expedia only |
💡 Click on the + Card Summary buttons below to view the key details of each card.
DBS Woman’s World
Earn 4 mpd on online spending
More information on the
This card, which is also available to men, gives you a strong earn rate of 4 miles per dollar on online spending (in foreign currency too!) on key spending categories like online shopping, flights, hotels, food delivery and ride-hailing, up to $1,500 per calendar month.
The biggest drawback is that DBS points earned on this card have an expiry term of just 1 year. With a minimum transfer block of 5,000 points (10,000 miles), cardholders often find themselves with expiring “orphan” points of under 5,000, that can only be redeemed for low-value items like mall/dining vouchers.
💸 Annual fee
$196.20
(First year waived)
💼 Income requirement
$80,000/year
(Not strict. Many readers with lower income have reported that you can get an approval by applying without SingPass, then entering an annual income above $80k, before uploading your actual proof of income that is under $80k.)
🤑 Foreign currency fee
3.25%
⏰ Points expiry
1 year 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
$27.25 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
Earn 1 base point per $5 dollar spent, plus 9 bonus points for eligible online transactions (equivalent to 4 mpd in total). Base points are credited immediately when the transaction is posted, while bonus points are credited around the middle of the following calendar month.
UOB Lady’s
Earn 4 mpd on chosen bonus category
More information on the
This card, which is also available to men, gives you a great earn rate of 4 miles per dollar on your pre-selected bonus category, up to $1,000 per calendar month.
Take note that cardholders will only earn 0.4 mpd on other categories and spending above $1,000 per calendar month.
Cardholders can choose/change a preferred bonus category every quarter.
The 7 bonus categories available are:
- Beauty & Wellness (e.g. cosmetic stores, hair salons, spas)
- Fashion (e.g. clothing, shoes stores)
- Dining (e.g. restaurants, food delivery)
- Family (e.g. supermarkets, children clothing stores)
- Travel (e.g. flights, hotels, duty-free stores)
- Transport (e.g. public transport, taxi, petrol)
- Entertainment (e.g. bars, night clubs, cinemas)
Cardholders may check existing selected bonus category by calling UOB.
💸 Annual fee
$196.20
(First year waived)
💼 Income requirement
$30,000/year
🤑 Foreign currency fee
3.25%
⏰ Points expiry
2 years from transaction
🫱🫲 Transfer partners
KrisFlyer and Asia Miles
💯 Transfer ratio
1 UNI$ = 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
Earn 1 base UNI$ per $5 dollar spent, plus 9 bonus UNI$ for eligible transactions on the bonus category (equivalent to 4 mpd in total). Base and bonus points are credited immediately when the transaction is posted.
Chocolate Card
Earn 2 mpd on almost everything, no FX fees
🎁 Sign-up bonusNo sign-up bonus for the Chocolate Card at the moment, but get up to 250 miles when you sign up for a HeyMax account using the link below.
More information on the
In collaboration with HeyMax, this card gives you an earn rate of 2 miles per dollar on almost everything, up to $1,000 per calendar month. Cardholders also enjoy great foreign exchange rates and no foreign currency fees. Transactions beyond $1,000 per month earn 0.4 mpd.
As a Debit card, it has no income requirement, making it perfect for students (above 18 yrs) and retirees who are looking to accumulate miles. This card also does not have an annual fee.
This is a great card for all foreign currency spending, as well as transactions that are commonly-excluded from earning miles/cashback on other cards. This includes:
- AXS bill payments (except credit card bills)
- Insurance
- Hospitals
- Utilities
- Public Transport
- School Fees
Link to HeyMax: To earn miles on the Chocolate Card, you need to sign up for a free HeyMax account and link your card to your HeyMax account (in the HeyMax app or website).
Limitations of the Chocolate Card: As this is a Debit card, all spending on the card will be deducted directly from your Chocolate Account balance. Yes, you need to have sufficient money in your account before spending on the card. There are transaction limits of S$5k per transaction, S$20k per day. The Chocolate Card is protected by Visa’s Zero Liability Policy, which guarantees that you won’t be held responsible for unauthorized charges made with your card or card details. For better peace of mind, you may freeze the Chocolate Card in the app when not using.
Having no annual fee, no income requirement, no foreign currency fee, no transfer fee and miles that never expire makes this a great card for miles chasers in Singapore; but only those who are aware of the benefits of Frequent Flyer Programs other than KrisFlyer.
Due to the low earn rate, this is not a good card for SGD spending on common categories like dining, groceries, online shopping, food delivery etc.
Read our detailed article on the Chocolate Card.
💸 Annual fee
No annual fee, ever
💼 Income requirement
No income requirement
🤑 Foreign currency fee
No foreign currency fee
⏰ Miles expiry
Max miles don’t expire
🫱🫲 Transfer partners
Executive Club, Aeroplan, Accor, Hyatt and more!
(Note: Max miles cannot be transferred to KrisFlyer)
💯 Transfer ratio
1 Max mile = 1 mile/point
🧮 Transfer block
1,000 miles or 10,000 miles
💲Transfer fee
Free
❓How/When miles are credited
Miles are credited immediately when the transaction is posted.
Trust Cashback
1% cashback, no FX fees, free overseas ATM withdrawals
🎁 Sign-up bonusUse code V1WB7T8A during the application to get a $10 NTUC FairPrice e-voucher.
A one-time spend (any amount) is required. Pro Tip: Adding this card to your Grab app would trigger as first spend, due to the verification hold.
More information on the
This card gives you unlimited 1% cashback, great foreign exchange rates and no foreign currency fees; and it does not come with an annual fee!
The existence of this card also means that the opportunity cost of using Miles cards for foreign currency spending is now over 4%, as those cards come with around 3.25% in FX fees, and no 1% cashback.
To avoid interest charges on overseas ATM cash withdrawals, follow these easy steps:
- Apply for the Trust card with code V1WB7T8A
- Apply for a Trust Savings Account through the Trust app (instant approval). There is no minimum balance, monthly fee or lock-in period to worry about!
- Deposit enough money into your Trust Savings Account
- When withdrawing cash from an overseas ATM, be sure to select Savings Account on the ATM screen (i.e. not Current, not Credit Card), and of course, never let the ATM do any currency conversion for you, as the markups are insane
The card also has a highly-complicated and misleading benefit, claiming to offer “up to 15% cashback” on your chosen spending category:
- Dining (e.g. restaurants, bakeries, food deliveries)
- Shopping (e.g. department, clothing, watch stores)
- Travel (e.g. airlines, hotels, travel agencies)
- Wellness (e.g. beauty shops, spas, gyms, pharmacies)
- Transport (e.g. ride-hailing, car rental, petrol)
- Entertainment (e.g. bars, movies, streaming services)
Why misleading? The cashback cap is a lot lower than the minimum spending requirement. Examples here.
To summarize the cashback mechanics:
To receive “15% cashback” on the chosen category, one would need to spend at least $2,000 per month, for 3 consecutive months in a quarter (total of at least $6,000). The cardholder would then be credited with $250 in cashback; that is, IF he/she had spent an average of at least $555 per month, on the chosen category.
This also means that, to unlock the “15% cashback” on $555 worth of spending, one would need to spend $1,445 per month on other things, and only earn 1% cashback on them. So, there’s a huge opportunity cost of not using other superior cards on this amount.
Essentially, this card gives you an effective cashback amount of around 4 to 4.9% on your preferred category, when spending $1,000 or $2,000 per month, for 3 consecutive months in a quarter, far lower than the advertised amount.
Cardholders can choose their preferred bonus category in the Trust mobile app.
💸 Annual fee
No annual fee, ever
💼 Income requirement
$30,000/year
🤑 Foreign currency fee
No foreign currency fee
UOB Visa Signature
Earn 4 mpd on foreign currency, contactless spending
More information on the
This card gives you a strong earn rate of 4 miles per dollar on foreign currency (online or offline) and/or contactless spending. This covers most spending categories like dining, groceries, flights, hotels, retail shopping, food delivery and ride-hailing.
A minimum spending of $1,000 per statement month is required, with a $2,000 cap during the same period.
Take note that cardholders will only earn 0.4 mpd on other categories and spending below $1,000 and above $2,000 per statement month.
💸 Annual fee
$218
(First year waived)
💼 Income requirement
$50,000/year
🤑 Foreign currency fee
3.25%
⏰ Points expiry
2 years from transaction
🫱🫲 Transfer partners
KrisFlyer and Asia Miles
💯 Transfer ratio
1 UNI$ = 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
Earn 1 base UNI$ per $5 dollar spent, plus 9 bonus UNI$ for eligible online and mobile contactless transactions (equivalent to 4 mpd in total). Base and bonus points are credited immediately when the transaction is posted.
Maybank Horizon
Earn 2.8 mpd on flights and foreign currency spending
More information on the
Cardholders can receive an uncapped earn rate of 2.8 miles per dollar on foreign currency transactions, when spending at least $800 per calendar month.
On top of that, cardholders can also receive 2.8 miles per dollar on flight bookings, when spending at least $800 per calendar month. However, this bonus earn rate is capped at $10,000 per calendar month.
Other whitelisted transactions in SGD earn 1.2 mpd, and non-whitelisted ones just 0.24 mpd.
Miles earned on this card expire after just 1 year, and can only be transferred to 3 Frequent Flyer Programs. Because of its poor flexibility and minimum spending requirement, I recommend using this card only for school fees in foreign currency and more-expensive flight bookings in Singapore Dollars.
💸 Annual fee
$196.20
(First 3 years waived)
💼 Income requirement
$30,000/year
🤑 Foreign currency fee
3.25%
⏰ Points expiry
1 year from transaction
🫱🫲 Transfer partners
Krisflyer, Asia Miles and Enrich
💯 Transfer ratio
2.5 points = 1 mile
🧮 Transfer blocks
KrisFlyer: 12,500 points (5,000 miles)
Asia Miles: 5,000 (2,000 miles)
Enrich: 2,500 (1,000 miles)
💲Transfer fee
$27.25 per transfer
🤗 Points pooling
Points from this card can be combined with those from other Maybank cards and transferred out together at once.
❓How points are credited
Earn 5 base point per $5 dollar spent, plus 45 bonus points for eligible online transactions (equivalent to 3.2 mpd in total).
Maybank World
Earn uncapped 2.8 – 3.2 mpd on foreign currency spending
More information on the
Earn uncapped 2.8 miles per dollar on foreign currency spending, when you spend at least $800 per calendar month on the card (in any currency).
Earn uncapped 3.2 miles per dollar on foreign currency spending, when you spend at least $4,000 per calendar month on the card (in any currency).
Cardholders can also earn uncapped 4 miles per dollar on fuel spending. Given the high amount of cashback (over 20%) that you can get with other cards, this card is best used at Sinopec fuel stations, where all members get between 20% to 23% fuel discounts, regardless of the type of card used.
On top of that cardholders can also receive 4 mpd on non-fuel purchases at the fuel station.
Cardholders also get 4 mpd at selected merchants.
All other transactions earn just 0.4 mpd.
Miles/Points earned on this card are pretty flexible, as they do not expire. Holding other Maybank cards? Having this card will also remove the expiry term of miles/points earned on all your other Maybank cards!
💸 Annual fee
$261.60
(First year waived)
💼 Income requirement
$80,000/year
🤑 Foreign currency fee
3.25%
⏰ Points expiry
Points earned on this card never expire!
🫱🫲 Transfer partners
Krisflyer, Asia Miles and Enrich
💯 Transfer ratio
2.5 points = 1 mile
🧮 Transfer block
KrisFlyer: 12,500 points (5,000 miles)
Asia Miles: 5,000 (2,000 miles)
Enrich: 2,500 (1,000 miles)
💲Transfer fee
No transfer fee!
🤗 Points pooling
Points from this card can be combined with those from other Maybank cards and transferred out together at once.
❓How points are credited
Earn 5 base point per $5 dollar spent, plus 45 bonus points for eligible online transactions (equivalent to 4 mpd in total). Base and bonus points are credited immediately when the transaction is posted.
UOB PRVI Miles
Earn 6 mpd on selected airlines, 1.4 mpd on local spend
More information on the
This card gives you a strong 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.
Transactions made in the following currencies earn 3 miles per dollar, uncapped, with no minimum spend:
- Malaysian Ringgit (MYR)
- Indonesian Rupiah (IDR)
- Thai Baht (THB)
- Vietnamese Dong (VND)
All other local transactions earn 1.4 miles per dollar, while foreign currency transactions earn 2.4 miles per dollar.
Cardholders can also receive 4 free airport lounge visits per calendar year, regardless of the number of PRVI Miles card (Mastercard/Visa/AMEX) that you hold. Take note that this lounge entitlement can only be used for the main cardholder (guests chargeable at US$35 per visit). One-time enrollment is required at least 12 hours before first lounge entry.
As this card only has 2 transfer partners, expiring points and $5 earning blocks, it is barely useful for Singapore-based travellers, considering the other options that we have.
On top of that, this entry-level card has a higher annual fee that other General Spending miles cards, and, unlike those cards, cardholders who pay the annual fee of this card from the second year onwards will not receive any miles (except for the AMEX version).
Additional note: UOB tends to quietly deduct points (UNI$) from your account every card anniversary, as “annual fee payments”. Set a reminder to always ask for an annual fee waiver, as this card is not worth its annual fee.
💸 Annual fee
$261.60
(First year waived)
💼 Income requirement
$30,000/year
🤑 Foreign currency fee
3.25%
⏰ Points expiry
2 years from transaction
🫱🫲 Transfer partners
KrisFlyer and Asia Miles
💯 Transfer ratio
1 UNI$ = 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.
KrisFlyer UOB
Earn 3 mpd on dining, online shopping, selected travel spending
More information on the
This card gives you an uncapped 3 mpd earn rate on Singapore Airlines, Scoot, KrisShop and Kris+, as well as travel spending made on selected websites like airbnb.com, booking.com and expedia.com.
Cardholders can also receive the same uncapped 3 mpd earn rate (1.2 base + 1.8 bonus) on everyday spending categories like dining, online shopping, online food delivery, ride-hailing and public transport, when they spend at least S$800 on Singapore Airlines, Scoot or KrisShop collectively in a card membership year.
All other transactions earn 1.2 mpd, including foreign currency spending (very poor!).
On top of that, cardholders can also get priority check-in and boarding, free standard seat selection and one-time booking flexibility waiver on Scoot bookings made through flyscoot.com/KrisFlyerUOB.
While this card makes all the right headlines, cardholders should know that bonus miles (1.8 mpd) are only credited within 2 months, at the end of the card membership year. This can be a dealbreaker for many who do not want to wait up to 14 months to receive the bonus miles! The delayed miles crediting can also force you into paying the annual fee (instead of cancelling the card), if a waiver is not granted.
Another obvious point to note is that the miles earned on this card can only be transferred to KrisFlyer, albeit with no transfer fee.
Flexibility is very important in the Miles Game and unfortunately, this card offers very little of that. I recommend maximizing the limits of other 4 mpd cards first, before using this one.
💸 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%
⏰ Miles expiry
3 years from the time they are credited into KrisFlyer account.
🫱🫲 Transfer partner
KrisFlyer only
🧮 Transfer block
N/A
💲 Transfer fee
No transfer fee
🤗 Miles/Points pooling
Miles earned from this card cannot be combined with those from other UOB cards and can only be transferred out separately.
❓ How/When miles are credited
Earn 6 base miles per $5 dollar spent, plus 9 bonus miles for eligible transactions (equivalent to 3 mpd in total). Base miles are credited into your KrisFlyer account at the end of each calendar month; bonus miles up to 2 months after the end of card membership year (up to 14 months).