Best Miles Credit Cards In Singapore (4 Miles Per Dollar)

Suitesmile rating:

✍️ Short summary
This card gives you a strong earn rate of 4 miles per dollar on the following spending categories:

1. Mobile Contactless (e.g. groceries, public transport, dining, shopping, hotels, overseas)
2. Online (e.g. online shopping, food delivery, ticketing)

No minimum spend is required to earn 4 mpd on both categories, but this bonus earn rate is capped at S$600 worth of spending per category, per calendar month (max. total of S$1,200).

The Mobile Contactless category covers a wide range of spending categories, while the Online Spending category is MCC-sensitive.

Take note that cardholders will only earn 0.4 mpd on other categories and spending above the monthly bonus cap.

Before converting UOB UNI$ to miles for the first time, you’d need to enrol in the UOB Rewards Frequent Flyer Conversion programme. It’s best to do this early to avoid delays on your future miles conversions.

“Mobile Contactless” refers to Google Pay, Apple Pay, Samsung Pay and Fitbit Pay. Cardholders will not earn 4 mpd by using the physical card.

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💸 Annual fee
S$196.20
(First year waived, request waiver every year after that)

💼 Income requirement
S$30,000/year (S’porean/PR aged 55 and below),
S$15,000/year (S’porean/PR aged 56 and above),
S$40,000/year (Foreigner)

🤑 Foreign currency fee
3.25%

⏰ Miles 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
S$27 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 S$5 spent, plus 9 bonus UNI$ 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.

📜 Terms & conditions

Suitesmile rating:

✍️ Short summary
This card, which is also available to men, gives you a strong earn rate of 4 miles per dollar on online spending, up to S$1,000 per calendar month, with no minimum spending requirement. This covers a wide range of spending categories like online shopping, flights, hotels, food delivery and ride-hailing.

The biggest drawback of this card is its short points expiry term of just 1 year. Cardholders should set yearly reminders to transfer out the points before they expire.

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💸 Annual fee
S$196.20
(First year waived, always request for a waiver after that)

💼 Income requirement
S$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 S$80k, before uploading your actual proof of income that is under S$80k.)

🤑 Foreign currency fee
3.25%

⏰ Miles 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
S$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 S$5 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.

📜 Terms & conditions

Suitesmile rating:

✍️ Short summary
This card, which is also available to men, gives you a great earn rate of 4 miles per dollar on 1 pre-selected bonus category, up to S$1,000 per calendar month. No minimum spending is required.

Cardholders will only earn 0.4 mpd on other categories and spending above S$1,000 per calendar month.

Cardholders can choose/change a preferred bonus category every quarter.

The 7 bonus categories available are:

1. Beauty & Wellness (e.g. cosmetic stores, hair salons, spas)
2. Fashion (e.g. clothing, shoes stores)
3. Dining (e.g. restaurants, food delivery)
4. Family (e.g. supermarkets, children clothing stores)
5. Travel (e.g. flights, hotels, duty-free stores)
6. Transport (e.g. public transport, taxi, petrol)
7. Entertainment (e.g. bars, night clubs, cinemas)

Cardholders may check existing selected bonus category by calling UOB.

There are 3 main versions of the UOB Lady’s Card (UOB Lady’s Card, UOB Lady’s Solitaire Card, UOB Lady’s Solitaire Metal Card). Each UOB customer can only hold one at a time.

Before converting UOB UNI$ to miles for the first time, you’d need to enrol in the UOB Rewards Frequent Flyer Conversion programme. It’s best to do this early to avoid delays on your future miles conversions.

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💸 Annual fee
S$196.20
(First year waived, request waiver every year after that)

💼 Income requirement
S$30,000/year (S’porean/PR aged 55 and below),
S$15,000/year (S’porean/PR aged 56 and above),
S$40,000/year (Foreigner)

🤑 Foreign currency fee
3.25%

⏰ Miles 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
S$27 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 S$5 spent, plus 9 bonus UNI$ 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.

📜 Terms & conditions

📜 Chosen Category MCCs and FAQs

Suitesmile rating:

✍️ Short summary
This card gives you a strong earn rate of 4 miles per dollar on two categories:

1. Overseas (incl. online in foreign currencies)
2. Local Contactless (e.g. PayWave, Google Pay, Apple Pay), SimplyGo (bus/mrt), Fuel (excl. SPC, Shell)

To receive the bonus earn rate, a minimum spending of S$1,000 per statement month is required on that particular category, with a category cap of S$1,200 in the same period. You may also enjoy the bonus earn rate on just 1 category in any statement period.

These categories offers broad coverage on spendings like shopping (in-person and online), foreign currency (in-person and online), dining, groceries, flights, hotels, food delivery and ride-hailing.

However, the huge catch is the minimum spending amount that has to be met on that particular bonus category (not general card spend like other cards). For example, if you want to earn 4 mpd on foreign currency spending, you have to spend at least S$1,000 per statement month on foreign currencies.

All other spending earn just 0.4 mpd (uncapped).

Before converting UOB UNI$ to miles for the first time, you’d need to enrol in the UOB Rewards Frequent Flyer Conversion programme. It’s best to do this early to avoid delays on your future miles conversions.

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💸 Annual fee
S$218
(First year waived, request waiver every year after that)

💼 Income requirement
S$30,000/year (S’porean/PR aged 55 and below),
S$15,000/year (S’porean/PR aged 56 and above),
S$40,000/year (Foreigner)

🤑 Foreign currency fee
3.25%

⏰ Miles 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
S$27 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 S$5 spent, plus 9 bonus UNI$ for eligible online and contactless transactions (equivalent to 4 mpd in total). Base and bonus points are credited immediately when the transaction is posted.

📜 Terms & conditions

Suitesmile rating:

✍️ Short summary
This card gives you a strong earn rate of 4 miles per dollar on online and in-person shopping at places with specific merchant categories (mainly clothing/shoes, toys, duty free, luggage etc.), up to S$1,000 per calendar month, with no minimum spending requirement.

Cardholders will only earn 0.4 mpd on other spending.

At the moment, OCBC only has 2 transfer partners with decent transfer ratios; KrisFlyer and Flying Blue. As flexibility is very important in the Miles Game, I recommend maximizing the limits of other 4 mpd cards first, before using this one.

Not into Miles or travel-hacking? Redeem your points for 2.78% cashback instead, on the aforementioned spending categories.

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💸 Annual fee
S$196.20
(First 2 years waived)

💼 Income requirement
S$30,000/year (S’porean/PR aged 55 and below),
S$15,000/year (S’porean/PR aged 56 and above),
S$45,000/year (Foreigner)

🤑 Foreign currency fee
3.25%

⏰ Points expiry
2 years from transaction

🫱‍🫲 Transfer partners
KrisFlyer, Flying Blue

💯 Transfer ratio
2.5 OCBC$ = 1 mile

🧮 Transfer block
25,000 OCBC$ (10,000 miles)

💲Transfer fee
S$25 per transfer

🤗 Points pooling
OCBC$ from this card cannot be combined with those from other OCBC cards.

❓How/When points are credited
Earn 5 base point per S$5 spent, plus 45 bonus points for eligible shopping transactions (equivalent to 4 mpd in total). Base points are credited immediately when the transaction is posted, while bonus points are credited by the end of the following calendar month.

📜 Terms & conditions

Suitesmile rating:

✍️ Short summary
This card, which is also available to men, gives you a great earn rate of 4 miles per dollar on 2 pre-selected bonus categories, up to S$750 per calendar month each (total S$1,500). No minimum spending is required.

Cardholders will only earn 0.4 mpd on other categories and spendings above the bonus limit.

Cardholders can choose/change a preferred bonus categories every quarter.

The 7 bonus categories available are:

1. Beauty & Wellness (e.g. cosmetic stores, hair salons, spas)
2. Fashion (e.g. clothing, shoes stores)
3. Dining (e.g. restaurants, food delivery)
4. Family (e.g. supermarkets, children clothing stores)
5. Travel (e.g. flights, hotels, duty-free stores)
6. Transport (e.g. public transport, taxi, petrol)
7. Entertainment (e.g. bars, night clubs, cinemas)

Cardholders may check existing selected bonus category by calling UOB.

There are 3 main versions of this card (UOB Lady’s Card, UOB Lady’s Solitaire Card, UOB Lady’s Solitaire Metal Card). Each UOB customer can only hold one at a time.

Before converting UOB UNI$ to miles for the first time, you’d need to enrol in the UOB Rewards Frequent Flyer Conversion programme. It’s best to do this early to avoid delays on your future miles conversions.

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💸 Annual fee
S$414.20
(First year waived, request waiver every year after that)

💼 Income requirement
S$120,000/year

🤑 Foreign currency fee
3.25%

⏰ Miles 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
S$27 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 S$5 spent, plus 9 bonus UNI$ 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.

📜 Terms & conditions

📜 Chosen Category MCCs and FAQs

Suitesmile rating:

✍️ Short summary
Earn uncapped 2.8 miles per dollar on foreign currency spending, when you spend at least S$800 per calendar month on the card.

Earn uncapped 3.2 miles per dollar on foreign currency spending, when you spend at least S$4,000 per calendar month on the card.

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.

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💸 Annual fee
S$261.60
(First year waived)

💼 Income requirement
S$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: 25,000 points (10,000 miles)
Asia Miles & Enrich: 12,500 points (5,000 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 S$5 spent, plus 30/35 bonus points for eligible foreign currency spending (equivalent to 2.8/3.2 mpd in total). Base and bonus points are credited immediately when the transaction is posted.

📜 Terms & conditions

Suitesmile rating:

✍️ Short summary
This card gives you a strong earn rate of 36 yuu points per dollar when spending between S$800 and S$822.86 at participating yuu merchants in a calendar month. To receive the bonus yuu points, cardholders are also required to spend at a minimum of 4 participating yuu merchants every calendar month.

What are yuu points worth?
36 yuu points can be redeemed for an effective earn rate of 18% cash rebate or 10 miles per dollar.

What if you spend more than S$822.86 at participating yuu merchants?
Once you’ve accumulated more than the 28,800 monthly cap on bonus yuu points, you’ll continue to earn just 1 yuu point per dollar (0.5% cash rebate).

Should you redeem yuu points for KrisFlyer miles?
By ignoring the opportunity to receive 18% rebate, you’d be “paying” about 1.8 cents per KrisFlyer mile in opportunity cost; and that’s pricey.

Tip: Redeem yuu points for excluded Giant or Cold Storage items like magazines, infant milk formula, sushi or tobacco products to lower/eliminate your opportunity cost.

If you’re looking to top-up small amounts of KrisFlyer miles for an award redemption, this is a great way to do so, as conversions are free and instantaneous.

• Giant
• Cold Storage
• Gojek
• 7-Eleven (Visa only)
• Foodpanda
• Singtel
• Guardian
• SimplyGo (Singapore public buses, MRT, LRT)
• Charge+ EV charging (Visa only)
• CHAGEE (via CHAGEE app only)

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💸 Annual fee
S$196.20
(First year waived, always request for a waiver after that)

💼 Income requirement
S$30,000/year (S’porean/PR aged 55 and below),
S$15,000/year (S’porean/PR aged 56 and above),
S$45,000/year (Foreigner)

🤑 Foreign currency fee
3.25%

🫱‍🫲 Transfer partners
KrisFlyer only

💯 Conversion ratio
1 yuu point = 0.5% cash rebate
3.6 yuu points = 1 KrisFlyer mile

🧮 Transfer block
200 points (56 miles)

💲Transfer fee
Free

❓How/When points are credited
Base reward: 1 yuu point (uncapped)
Bonus reward (no min. spend): 9 yuu points (capped at 28,800 points)
Bonus reward (S$800 min. spend): 26 yuu points (capped at 28,800 points)
Total reward: 36 yuu points

Base points are credited instantly while bonus points are credited within 60 days from the transaction date.

📜 Terms & conditions

Suitesmile rating:

✍️ Short summary

This card offers varying earn rates to normal cardholders, Priority Banking (PB) and Priority Private (PP) customers. To qualify for PB and PP, a Standard Chartered customer needs to have at least S$200k and S$1.5m Asset Under Management (AUM) with the bank, respectively.

For local spending, cardholders earn uncapped 1.5 miles per dollar, while PB and PP customers enjoy a boosted earn rate of 2 miles per dollar.

For foreign currency spending, cardholders earn uncapped 3 miles per dollar, while PB and PP customers enjoy boosted earn rates of 3.5 and 4 miles per dollar, respectively. PP customers can also enjoy an uncapped earn rate of 8 miles per dollar when dining in foreign currencies.

Cardholders are also entitled to unlimited free airport lounge visits (via Priority Pass) for principal and supplementary cardholders, with a cap of 6 guest visits between them.

From 22 Nov 2025 till 31 Dec 2026, cardholders can also receive 2 complimentary flight upgrades from Premium Economy Class to Business Class. However, this benefit is very restrictive. There needs to be at least 1 Business Class ticket in the booking and the Premium Economy Class ticket needs to be on non-restricted fare (most expensive). To redeem 2 upgrades, there needs to be 2 paid Business Class tickets in the same itinerary.

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💸 Annual fee
S$1,635
(no waiver, always comes with 60,000 miles)

💼 Income requirement
S$120,000/year

🤑 Foreign currency fee
3.5%

🛋️ Airport lounge access
Unlimited free lounge visits
(via Priority Pass)

⏰ Points expiry
Points earned on this card never expire

🫱‍🫲 Transfer partners
KrisFlyer and Asia Miles

💯 Transfer ratio
2.5 points = 1 mile

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

💲 Transfer fee
S$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 transactions are posted.

📜 Terms & conditions

Suitesmile rating:

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

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

💼 Income requirement
S’porean/PR: S$30,000/year,
Foreigner: S$90,000/year

🤑 Foreign currency fee
3.5%

🛋️ Airport lounge access
2 free lounge visits per card membership year
(via Priority Pass)

⏰ Points expiry
Points earned on this card never expire

🫱‍🫲 Transfer partners
KrisFlyer and Asia Miles

💯 Transfer ratio
2.5 points = 1 mile

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

💲 Transfer fee
S$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

Suitesmile rating:

✍️ Short summary
This card gives you an uncapped 3 mpd earn rate on Singapore Airlines, Scoot, KrisShop, Kris+ and Pelago.

Cardholders can also receive an uncapped 2.4 mpd earn rate (1.2 base + 1.2 bonus) on everyday spending categories like dining, online shopping, online food delivery, ride-hailing and public transport, as well as travel spending made on selected websites like airbnb.com, booking.com and expedia.com. To receive the 1.2 mpd bonus, cardholders have to spend at least S$1,000 on Singapore Airlines, Scoot, Pelago or KrisShop collectively in a card membership year.

All other transactions earn 1.2 mpd, including foreign currency spending which comes with 3.25% in fees (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 (1.2 mpd) are only credited within 2 months, after 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.

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💸 Annual fee
S$196.20
(First year waived, get 10,000 miles with subsequent annual fee payments but not worth it; always request waiver)

💼 Income requirement
S$30,000/year (S’porean/PR aged 55 and below),
S$15,000/year (S’porean/PR aged 56 and above),
S$40,000/year (Foreigner)

🤑 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 S$5 dollar spent, plus 6 bonus miles for eligible transactions (equivalent to 2.4 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).

📜 Terms & conditions

Suitesmile rating:

✍️ Short summary

Cardholders can receive an uncapped earn rate of 2.8 miles per dollar on foreign currency transactions, when spending at least S$800 per calendar month.

On top of that, cardholders can also receive 2.8 miles per dollar on flight bookings, when spending at least S$800 per calendar month. However, this bonus earn rate is capped at S$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, this card is best used for more-expensive flight bookings in Singapore Dollars and school fees in foreign currencies.

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💸 Annual fee
S$196.20
(First 3 years waived)

💼 Income requirement
S$30,000/year (S’porean/PR),
S$45,000/year (Malaysian),
S$60,000/year (Foreigner)

🤑 Foreign currency fee
3.25%

⏰ Points expiry
1 year from transaction
(No expiry if you also hold the Maybank World Mastercard)

🫱‍🫲 Transfer partners
KrisFlyer, Asia Miles and Enrich

💯 Transfer ratio
2.5 points = 1 mile

🧮 Transfer blocks
KrisFlyer: 25,000 points (10,000 miles)
Asia Miles & Enrich: 12,500 points (5,000 miles)

💲Transfer fee
S$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 S$5 spent, plus 30 bonus points for eligible online transactions (equivalent to 2.8 mpd in total).

📜 Terms & conditions

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.

There are 2 variants of the DBS Altitude Card (Visa and AMEX). Both offer similar earn rates and benefits but only the Visa version comes with 2 free airport lounge visits per card membership year.

Miles earned on this card do not expire.

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💸 Annual fee
S$196.20
(First year waived, always request for a waiver after that)
Note: Annual fee payments come with 10,000 miles (not worth it)

💼 Income requirement
S$30,000/year (S’porean/PR aged 55 and below),
S$15,000/year (S’porean/PR aged 56 and above),
S$45,000/year (Foreigner)

🤑 Foreign currency fee
AMEX: 3%
Visa: 3.25%

🛋️ Airport lounge access
2 free lounge visits per card membership year
(Visa version only, 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 points (10,000 miles)

💲Transfer fee
S$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
Base points are credited immediately when the transaction is posted.

📜 Terms & conditions

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. However, this card has a poor transfer ratio to KrisFlyer, a great frequent flyer program for travels to regions like Australia, New Zealand, Mainland China, India and Istanbul.

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 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.

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💸 Annual fee
S$196.20
(Get 30k points (12k miles) when you pay the annual fee from the 2nd year onwards. Get first-year waiver, if you don’t want the sign-up bonus.)

💼 Income requirement
S’porean/PR: S$30,000 – S$65,000
Foreigner: S$65,000

🤑 Foreign currency fee
3.25%

🛋️ Airport lounge access
4 free visits per calendar year
(via DragonPass)

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

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

💯 Transfer ratio
2.5 points = 1 mile

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

💲Transfer fee
Free

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

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

📜 Terms & conditions

Suitesmile rating:

✍️ Short summary
This card gives you an earn rate of 1.3 miles per dollar on SGD spending, and 2.1 miles per dollar on foreign currency transactions.

There are 2 variants of the OCBC 90°N Card (Visa and Mastercard), both with similar earn rates and benefits.

Miles/points earned on this card do not expire.

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💸 Annual fee
S$196.20
(First 2 years waived)

💼 Income requirement
S$30,000/year (S’porean/PR aged 55 and below),
S$15,000/year (S’porean/PR aged 56 and above),
S$45,000/year (Foreigner)

🤑 Foreign currency fee
3.25%

⏰ Points expiry
Points earned from this card do not expire

🫱‍🫲 Transfer partners
KrisFlyer, Flying Blue

💯 Transfer ratio
2.5 OCBC$ = 1 mile

🧮 Transfer block
25,000 OCBC$ (10,000 miles)

💲Transfer fee
S$25 per transfer

🤗 Points pooling
OCBC$ from this card cannot be combined with those from other OCBC cards.

❓How/When points are credited
Earn 6.5 points per S$5 spent locally (equivalent to 1.3 mpd) and 10.5 points per S$5 spent in foreign currencies. Points are credited immediately when the transactions are posted.

📜 Terms & conditions

Suitesmile rating:

✍️ Short summary

This card awards uncapped 1.2 miles per dollar on local and foreign currency spending. While the local earn rate is sad, the foreign currency earn rate is depressing as those transactions also come with a 3.25% FX fee.

Cardholders can earn uncapped bonus 0.8 mpd (total 2 mpd) on SIA Group (e.g. Singapore Airlines/Scoot flights, Pelago) and Grab transactions (capped at S$200 per calendar month).

Miles earned on this card are automatically transferred to your KrisFlyer account. While AMEX tries to frame this as a benefit (no conversion fee), seasoned miles chasers know that this comes with a couple of key disadvantages:

1. Cardholders have no flexibility in choosing a different frequent flyer program (obviously, as this is a co-branded card)
2. Miles converted to KrisFlyer will immediately have a fixed expiry term of 3 years

Cardholders get a 1 night stay at a participating Hilton hotel in Asia Pacific every year, which I see as the only real benefit of this card. So, it’s really like pre-paying for a “voucher” (this card’s S$397.85 unwaivable annual fee), then, spending the year trying to find the most expensive Hilton hotel to stay 1 night, plus, the 10,000 renewal miles.

Cardholders can also get an accelerated upgrade to KrisFlyer Elite Gold status after spending at least S$15,000 on Singapore Airlines and Scoot flights (originating from Singapore, booked directly with the airlines). This status is most useful to those who fly in Economy Class with Star Alliance airlines frequently as they’d receive the following benefits:

1. Airport lounge access
2. Extra 20kg checked baggage allowance
3. Priority check-in, boarding and baggage handling

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

Like the lower-tier AMEX KrisFlyer Card, I see this as one of the worst Miles credit cards in Singapore. There are many good Miles cards with a 4 mpd earn rate, spend with those instead.

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💸 Annual fee
S$397.85
(No waiver, comes with 10,000 miles every year, from second year)

💼 Income requirement
Not stated (usually S$30,000)

🤑 Foreign currency fee
3.25%

❓How/When are miles credited
Miles are automatically credited to your KrisFlyer account on the statement date.

📜 Terms & conditions

Suitesmile rating:

✍️ Short summary

This card awards uncapped 1.1 miles per dollar on local and foreign currency spending. While the local earn rate is sad, the foreign currency earn rate is depressing as those transactions also come with a 3.25% FX fee.

Cardholders can earn an uncapped bonus 0.9 mpd (total 2 mpd) on SIA Group (e.g. Singapore Airlines/Scoot flights, Pelago) and Grab transactions (capped at S$200 per calendar month).

Miles earned on this card are automatically transferred to your KrisFlyer account. While AMEX tries to frame this as a benefit (no conversion fee), seasoned miles chasers know that this comes with a couple of key disadvantages:

1. Cardholders have no flexibility in choosing a different frequent flyer program (obviously, as this is a co-branded card)
2. Miles converted to KrisFlyer will immediately have a fixed expiry term of 3 years

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

In my opinion, this is by far the worst Miles credit card in Singapore. There are many good Miles cards with a 4 mpd earn rate, spend with those instead.

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💸 Annual fee
S$179.85
(First year waived)

💼 Income requirement
Not stated (usually S$30,000)

🤑 Foreign currency fee
3.25%

❓How/When are miles credited
Miles are automatically credited to your KrisFlyer account on the statement date.

📜 Terms & conditions

Suitesmile rating:

✍️ Short summary

This card offers uncapped earn rates of 1.68 mpd on SGD spending and 2.76 mpd on foreign currency spending. This is the best general spending rates in Singapore, though far behind specialized 4 mpd cards.

Having many transfer partners gives you fantastic flexibility. However, this card has a poor transfer ratio to KrisFlyer.

Cardholders enjoy unlimited airport lounge access (via Priority Pass) for the primary cardholder and up to 3 supplementary cardholders.

Cardholders also get 2 complimentary airport limousine rides per quarter (min. S$12,000 spend in the preceding quarter).

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💸 Annual fee
S$708.50
(Waivable for HSBC Singapore Premier customers)

💼 Income requirement
S’porean/PR: S$30,000 – S$65,000
Foreigner: S$65,000

🤑 Foreign currency fee
3.25%

🛋️ Airport lounge access
Unlimited free visits for primary and up to 3 supplementary cardholders
(via Priority Pass)

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

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

💯 Transfer ratio
2.5 points = 1 mile

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

💲Transfer fee
Free

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

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

📜 Terms & conditions

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 don’t expire gives you fantastic flexibility.

Cardholders are also entitled to 12 free airport lounge visits per calendar year (via Priority Pass) and 4th Night Free on prepaid hotel bookings made through the Citi Prestige Concierge.

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💸 Annual fee
S$651.82
(Strictly no waiver, always comes with 80,000 points, equivalent to 32,000 miles)

💼 Income requirement
S$120,000/year

🤑 Foreign currency fee
3.25%

🛋️ Airport lounge access
12 free lounge visits per calendar year
(via Priority Pass)

⏰ Miles expiry
Miles/Points earned on this card never expire

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

💯 Transfer ratio
2.5 points = 1 mile

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

💲 Transfer fee
S$27.25 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

Suitesmile rating:

✍️ Short summary
This card gives you uncapped earn rates of 1.4 miles per dollar on SGD spending and 2.4 per dollar on foreign currency spending.

Receive unlimited free airport lounge visits until 31 May 2026 and 12 free visits per card membership year from 1 Jun 2026.

This card is marketed as a “premium card”, with higher-than-usual annual fee of S$654 and minimum annual income of S$120,000. However, the benefits are, for the most part, worse than entry-level miles/travel cards.

With low earn rates, only 2 transfer partners, expiring miles and S$5 earning blocks, it is hardly useful for Singapore-based travellers as there are many stronger Miles cards in Singapore for spending. This card should only be treated as a backup, if you have exhausted all your 4 mpd cards with better earn rates and/or if you want free airport lounge access.

Notably, the Citi Prestige Card, which comes with a similar annual fee, offers 32,000 miles every year with annual fee payment, while the UOB Infinite Metal Card offers just 25,000 miles.

Before converting UOB UNI$ to miles for the first time, you’d need to enrol in the UOB Rewards Frequent Flyer Conversion programme. It’s best to do this early to avoid delays on your future miles conversions.

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💸 Annual fee
S$654
(No waiver)

💼 Income requirement
S$120,000/year

🤑 Foreign currency fee
3.25%

🛋️ Airport lounge access
Unlimited* free lounge visits (via DragonPass)
^{*Dropping to 12 visits per card membership year from 1 Jun 2026.}

⏰ Miles 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
Free

🤗 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 transactions are posted.

📜 Terms & conditions

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.

Principal cardholders can enjoy unlimited free airport lounge visits via DragonPass. However, this entitlement is limited to lounges only (no restaurants and spas) and cannot be used for guests (chargeable at US$32 per visit). Supplementary cardholders get 2 free lounge visits per calendar year.

Miles/points earned on this card do not expire.

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💸 Annual fee
S$498
(No waiver, always comes with 15,000 miles)

💼 Income requirement
S$120,000

🤑 Foreign currency fee
3.25%

⏰ Miles expiry
Miles earned from this card do not expire

🫱‍🫲 Transfer partners
KrisFlyer, Flying Blue

💯 Transfer ratio
2.5 Voyage miles = 1 mile

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

💲Transfer fee
S$25 per transfer

🤗 Miles pooling
Voyage miles from this card cannot be combined with miles/points earned from other OCBC cards.

❓How/When miles are credited
Earn 6.5 Voyage miles per S$5 spent locally (equivalent to 1.3 mpd) and 11 Voyage miles per S$5 spent in foreign currencies (2.2 mpd). Voyage miles are credited immediately when the transactions are posted.

📜 Terms & conditions

Suitesmile rating:

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

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

Cardholders receive complimentary Accor+ Explorer membership, which comes with 2 complimentary hotel nights in Asia Pacific (pay 1 night, get 1 night free, up to 2 times). Accor+ Explorer members also get up to 50% off hotel room rates via Red Hot Rooms and 30% off dining at participating restaurants across Asia Pacific.

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

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💸 Annual fee
S$599.50
(Strictly no waiver. Comes with 12,500 points, equivalent to 25,000 miles)

💼 Income requirement
S$120,000/year

🤑 Foreign currency fee
3.25%

🛋️ Airport lounge access
10 free lounge visits per card membership year
(via Priority Pass)

⏰ 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
S$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
Base points are credited immediately when the transaction is posted.

📜 Terms & conditions

Suitesmile rating:

✍️ Short summary

Cardholders can earn uncapped 1.4 miles per dollar on local and 3 miles per dollar on foreign currency spending with a minimum spending of S$2,000 per statement month.

Without meeting the minimum spending requirement, the earn rate is just 1 mile per dollar, in any currency.

Cardholders are also entitled to 6 free airport lounge visits (via Priority Pass) per card membership year.

Unlike other “premium” cards, cardholders do not get any miles with annual fee payments.

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💸 Annual fee
S$599.50
(No waiver, no miles)

💼 Income requirement
S’porean/PR: S$30,000 – S$150,000,
Foreigner: S$60,000 – S$150,000

🤑 Foreign currency fee
3.5%

🛋️ Airport lounge access
6 free lounge visits per card membership year
(via Priority Pass)

⏰ Points expiry
Points earned on this card never expire

🫱‍🫲 Transfer partners
KrisFlyer and Asia Miles

💯 Transfer ratio
2.5 points = 1 mile

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

💲 Transfer fee
S$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, bonus points within 5 days after the statement date.

📜 Terms & conditions

Suitesmile rating:

✍️ Short summary

This card awards uncapped 2.86 miles per dollar at 10Xcelerator merchants, with no minimum spending required.

Cardholders can also get S$200 Fashion & Dining credit per calendar year, which is not as straightforward to use as it comes with the following quirks and limitations:

1. Receive S$100 credit twice a year (i.e. Jan – Jun, Jul – Dec).
2. Only selected fashion and dining merchants are eligible.
3. Spend at least S$100 in a single transaction to qualify.
4. Enrolment required via email link.
5. Email link sent within 8 weeks from annual fee payment.
6. Receive credit within 60 days after eligible transaction.

Cardholders can also get up to 50% off dining through the Love Dining program. While this also sounds like a great deal to get a “50% discount” on dining, it’s not as straightforward and comes with the following quirks and limitations:

1. Only particpating restaurants in Singapore are eligible.
2. Discount depends on party size:
   • 1 pax: 15% off
   • 2 pax: 50% off
   • 3 pax: 35% off
   • 4 pax: 25% off
   • 5+ pax: 20% off
3. Discount applicable to food only (no drinks) and each person must order at least 1 qualifying food item.
4. Discount excludes taxes/fees. At some restaurants, you’ll even pay the full taxes/fees on the pre-discounted bill.
5. Discount cannot be applied to the restaurants’ in-house promos.
6. Advance reservations required at some restaurants.

Earn just 0.57 mpd on other spending, even on foreign currencies, with a hefty 3.25% FX fee.

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

The AMEX Platinum Credit Card sells “lifestyle” benefits that are worded to sound better than they really are, and cardholders will spend a considerable amount of effort to utilize them.

The “up to 50%” Love Dining benefit is only useful when dining as a pair and when choosing “qualifying food items”. After adding taxes, service charges and drinks, your true dining discount will be far less. On top of that, you’ll also lose out on in-house dining promos and superior earn rates on better Dining credit cards.

The Fashion & Dining credits are also not easy to use as you’d need to keep track of the enrolment/redemption steps and periods, as well as the minimum spending requirements and searching for “participating merchants”.

Aside from spending at limited 10Xcelerator merchants, the AMEX Platinum Credit Card awards one of the worst earn rates in Singapore (0.57 mpd). There are many good Miles credit cards with a 4 mpd earn rate, spend with those instead.

This card tries to justify its non-waivable annual fee with “lifestyle” gimmicks that you’d spend the entire year chasing; I’d stay away from it.

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💸 Annual fee
S$327
(no waiver)

💼 Income requirement
Not stated
(usually S$30,000)

🤑 Foreign currency fee
3.25%

⏰ Miles expiry
Miles/Points earned on this card never expire

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

💯 Transfer ratio
2.2 points = 1 mile

🧮 Transfer block
550 points (250 miles)

💲 Transfer fee
None

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

❓How/When are miles credited
Miles/points are credited immediately when the transactions are posted.

📜 Terms & conditions

Suitesmile rating:

✍️ Short summary

This card comes with a hefty, non-waivable annual fee of S$1,744, which doesn’t come with any renewal miles. Let’s have a look at the key benefits.

Get unlimited airport lounge visits at selected airport lounges. Enjoy this benefit with 1 guest at Priority Pass and Plaza Premium lounges and 2 guests at AMEX-branded lounges. Note: Priority Pass spas and restaurants are not eligible.

Get uncapped 6.25 miles per dollar at 10Xcelerator merchants, up to S$16,000 per calendar year; earn 3.12 mpd for spending beyond this amount.

Get a complimentary 1-night hotel stay at a selected hotel.

Get 1 free meal for 2 pax every 2 months at selected Table for Two restaurants.

Get a S$200 dining credit at selected Table for Two restaurants.

Get a S$100 credit for Singapore Airlines/Scoot flights every 6 months when you spend at least S$300 in a single transaction.

Get a S$200 credit every 6 months for wine purchases on Wine Portal when you spend at least S$300 in a single transaction.

Cardholders can also get up to 50% off dining through the Love Dining program. While this also sounds like a great deal to get a “50% discount” on dining, it’s not as straightforward and comes with the following quirks and limitations:

1. Only particpating restaurants in Singapore are eligible.
2. Discount depends on party size:
   • 1 pax: 15% off
   • 2 pax: 50% off
   • 3 pax: 35% off
   • 4 pax: 25% off
   • 5+ pax: 20% off
3. Discount applicable to food only (no drinks) and each person must order at least 1 qualifying food item.
4. Discount excludes taxes/fees. At some restaurants, you’ll even pay the full taxes/fees on the pre-discounted bill.
5. Discount cannot be applied to the restaurants’ in-house promos.
6. Advance reservations required at some restaurants.

Earn just 0.63 mpd on other spending, even on foreign currency spending which comes with a hefty 3.25% FX fee.

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

The AMEX Platinum Credit Card sells “lifestyle” benefits that are worded to sound better than they really are, and cardholders will spend an imense amount of effort to utilize them.

The “up to 50%” Love Dining benefit is only useful when dining as a pair and when choosing “qualifying food items”. After adding taxes, service charges and drinks, your true dining discount will be far less. On top of that, you’ll also lose out on in-house dining promos and superior earn rates on better Dining credit cards.

The statement credits for dining, wine and flights are also not easy to use as you’d need to keep track of the enrolment and redemption periods/steps, as well as the minimum spending requirements and looking for “participating merchants”.

Aside from spending at limited 10Xcelerator merchants, the AMEX Platinum Charge Card awards one of the worst earn rates in Singapore (0.63 mpd). There are many good Miles credit cards with a 4 mpd earn rate, spend with those instead.

This card tries to justify its hefty, non-waivable annual fee with “lifestyle” gimmicks that you’d spend the entire year chasing. It offers little more than a prepaid coupon book, I’d stay far away from it.

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💸 Annual fee
S$1,744
(no waiver)

💼 Income requirement
Not stated (usually S$30,000)

🤑 Foreign currency fee
3.25%

⏰ Miles expiry
Miles/Points earned on this card never expire

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

💯 Transfer ratio
2 points = 1 mile

🧮 Transfer block
500 points (250 miles)

💲 Transfer fee
None

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

❓How/When are miles credited
Miles/points are credited immediately when the transactions are posted.

📜 Terms & conditions