Priority Pass & DragonPass Lounges in Singapore Changi Airport 2026

Card rating ^{Suitesmile's overall rating of this card (out of 5), all things considered. This includes how it compares against alternative miles/cashback cards, its annual fee, and how easy (or hard) it is to achieve the advertised benefits.}:
Ease of use ^{A rating (out of 5 stars) of how easy it is to achieve the maximum earn rate and other benefits advertised by this card.}:
Minimum annual income:• S’porean/PR: S$30,000 – S$65,000 ^{Income requirement depends on your Total Relationship Balance (TRB) with HSBC. S$30,000/year if TRB is S$50,000 and above; S$65,000/year if TRB is below S$50,000.}
• Foreigner: S$65,000Annual fee: S$196.20 (first year waivable; always comes with 12,000 miles)

 Get 4 free airport lounge visits per calendar year ^{Get 4 free airport lounge visits worldwide via DragonPass. Entitlement can be used for lounges, restaurants and spas, for the principal cardholder and guests. Supplementary cardholders do not have any airport lounge entitlement.}
 No minimum spending
 Uncapped earn rates
 3-year miles expiry term
 7 useful miles transfer partners
 Free miles transfers to frequent flyer programs
 Instant miles transfers

⚠️ Low earn rates (spend with 4 mpd cards instead):
• 1.2 mpd on local spending
• 2.4 mpd on foreign currency spending⚠️ Poor transfer ratio to KrisFlyer
⚠️ 3.25% foreign transaction fee

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HSBC TravelOne Card

Suitesmile rating:

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✍️ 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

🎁 Sign-up promo

Card rating ^{Suitesmile's overall rating of this card (out of 5), all things considered. This includes how it compares against alternative miles/cashback cards, its annual fee, and how easy (or hard) it is to achieve the advertised benefits.}:
Ease of use ^{A rating (out of 5 stars) of how easy it is to achieve the maximum earn rate and other benefits advertised by this card.}:
Minimum annual income:• S’porean/PR: S$15,000 – S$30,000 ^{S$30,000/year if aged 55 and below; S$15,000/year if aged 56 and above.}
• Foreigner: S$40,000Annual fee: S$261.60 (first year waived; request waiver every year)

 Get 4 free airport lounge visits per calendar year ^{Get 4 free airport lounge visits worldwide via Priority Pass. Entitlement can be used for lounges, restaurants and spas, for the principal cardholder only. Supplementary cardholders do not have any airport lounge entitlement.}
 No minimum spending
 Uncapped earn rates

⚠️ Low earn rates (spend with 4 mpd cards instead):
• 1.4 mpd on local spending
• 2.4 – 3 mpd on foreign currency spending ^{3 mpd on MYR, IDR, THB and VND spending; 2.4 mpd on other currencies.}⚠️ S$5 earning block ^{Transactions under S$5 earn zero miles, except SimplyGo.}
⚠️ 2-year miles expiry term
⚠️ Only 2 useful miles transfer partners
⚠️ 3.25% foreign transaction fee

Card rating ^{Suitesmile's overall rating of this card (out of 5), all things considered. This includes how it compares against alternative miles/cashback cards, its annual fee, and how easy (or hard) it is to achieve the advertised benefits.}:
Ease of use ^{A rating (out of 5 stars) of how easy it is to achieve the maximum earn rate and other benefits advertised by this card.}:
Minimum annual income:• S’porean/PR: S$30,000
• Foreigner: S$42,000Annual fee: S$196.20 (first year waived; always comes with 10,000 miles, but request waiver every year ^{Paying S$196.20 for 10,000 miles is not worth it, unless if you need the miles urgently.})

 Get 2 free airport lounge visits per calendar year ^{Get 2 free airport lounge visits worldwide via Priority Pass. Entitlement can be used for lounges, restaurants and spas, for the principal cardholder and guest. Supplementary cardholders do not have any airport lounge entitlement.}
 No minimum spending
 Uncapped earn rates
 Miles don’t expire
 9 useful miles transfer partners

⚠️ Low earn rates (spend with 4 mpd cards instead):
• 1.2 mpd on local spending
• 2.2 mpd on foreign currency spending⚠️ 3.25% foreign transaction fee

Card rating ^{Suitesmile's overall rating of this card (out of 5), all things considered. This includes how it compares against alternative miles/cashback cards, its annual fee, and how easy (or hard) it is to achieve the advertised benefits.}:
Ease of use ^{A rating (out of 5 stars) of how easy it is to achieve the maximum earn rate and other benefits advertised by this card.}:
Minimum annual income:• S’porean/PR: S$15,000 – S$30,000 ^{S$30,000/year if aged 55 and below; S$15,000/year if aged 56 and above.}
• Foreigner: S$45,000Annual fee: S$196.20 (first year waived; always comes with 10,000 miles, but request waiver every year ^{Paying S$196.20 for 10,000 miles is not worth it, unless if you need the miles urgently.})

 Get 2 free airport lounge visits per card membership year (Visa only)^{The Visa variant of this card gets 2 free airport lounge visits worldwide via Priority Pass. Entitlement can be used for lounges, restaurants and spas, for the principal cardholder and guest. Supplementary cardholders do not have any airport lounge entitlement.}
 No minimum spending
 Uncapped earn rates
 Miles don’t expire

⚠️ Low earn rates (spend with 4 mpd cards instead):
• 1.3 mpd on local spending
• 2.2 mpd on foreign currency spending⚠️ Only 3 useful miles transfer partners
⚠️ 3.25% foreign transaction fee

Card rating ^{Suitesmile's overall rating of this card (out of 5), all things considered. This includes how it compares against alternative miles/cashback cards, its annual fee, and how easy (or hard) it is to achieve the advertised benefits.}:
Ease of use ^{A rating (out of 5 stars) of how easy it is to achieve the maximum earn rate and other benefits advertised by this card.}:
Minimum annual income:• S’porean/PR: S$30,000
• Foreigner: S$90,000Annual fee: S$196.20 (first year waived; always comes with 10,000 miles, but request waiver every year ^{Paying S$196.20 for 10,000 miles is not worth it, unless if you need the miles urgently.})

 Get 2 free airport lounge visits per card membership year ^{Get 2 free airport lounge visits worldwide via Priority Pass. Entitlement can be used for lounges, restaurants and spas, for the principal cardholder and guest. Supplementary cardholders do not have any airport lounge entitlement.}
 Earn 3 mpd on groceries, food deliveries and ride-hailing, up to S$1,000 per statement month
 No minimum spending
 Miles don’t expire

⚠️ Low earn rates on non-bonus spending (spend with 4 mpd cards instead):
• 1.2 mpd on local spending
• 2 mpd on foreign currency spending⚠️ Only 2 useful miles transfer partners
⚠️ 3.5% foreign transaction fee

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Standard Chartered Journey Card

Suitesmile rating:

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✍️ 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

🎁 Sign-up promo

Card rating ^{Suitesmile's overall rating of this card (out of 5), all things considered. This includes how it compares against alternative miles/cashback cards, its annual fee, and how easy (or hard) it is to achieve the advertised benefits.}:
Ease of use ^{A rating (out of 5 stars) of how easy it is to achieve the maximum earn rate and other benefits advertised by this card.}:
Minimum annual income: Not stated (usually S$30,000)
Annual fee: S$1,744 (no waiver)

 Get free unlimited visits at selected airport lounges
 Get free 1-night stay at a selected hotel
 Earn 6.25 mpd at 10Xcelerator merchants, up to S$16,000 per calendar year ^{Earn 3.12 mpd at 10Xcelerator merchants on spending beyond S$16,000 per calendar year.}
 Get 1 free meal for 2 pax every 2 months at selected Table for Two restaurants
 Get S$200 dining credit at selected Global Dining restaurants
 Get S$100 credit for Singapore Airlines/Scoot flights every 6 months ^{To qualify, spend at least S$300 in a single transaction, for flights departing from Singapore.}
 Get S$200 wine credit every 6 months at Wine Portal ^{To qualify, spend at least S$300 in a single transaction.}
 Get 15-50% off food at Love Dining merchants ^{Get a discount off selected food items at participating restaurants in Singapore, depending on the party size: 1 pax: 15%, 2 pax: 50%, 3 pax: 35%, 4 pax: 25%, 5+ pax: 20%. Discount excludes taxes/fees.}
 No minimum spending
 Uncapped earn rates
 Miles don’t expire
 8 useful miles transfer partners

⚠️ 0.63 mpd earn rate on non-bonus spending (use 4 mpd cards instead)
⚠️ AMEX cards have lower merchant acceptance than Visa/Mastercard
⚠️ 3.25% foreign transaction fee

Card rating ^{Suitesmile's overall rating of this card (out of 5), all things considered. This includes how it compares against alternative miles/cashback cards, its annual fee, and how easy (or hard) it is to achieve the advertised benefits.}:
Ease of use ^{A rating (out of 5 stars) of how easy it is to achieve the maximum earn rate and other benefits advertised by this card.}:
Minimum annual income:• S’porean/PR: S$30,000 – S$65,000 ^{Income requirement depends on your Total Relationship Balance (TRB) with HSBC. S$30,000/year if TRB is S$50,000 and above; S$65,000/year if TRB is below S$50,000.}
• Foreigner: S$65,000Minimum banking relationship: HSBC Premier from any country ^{S$200,000 TRB is requried to qualify for HSBC Premier in Singapore. This figure is different for every country.}
Annual fee: S$708.50 (waivable for HSBC Singapore Premier, Premier Elite customers) ^{Qualify for HSBC Premier with a S$200,000 relationship balance, and HSBC Premier Elite with S$1,200,000. Annual fee chargeable for HSBC Premier and Elite customers from other countries.}

 Get unlimited free airport lounge visits ^{Get unlimited free airport lounge visits worldwide via Priority Pass. Entitlement can be used for lounges, restaurants and spas, for the principal cardholder only. Supplementary cardholders have the same airport lounge entitlement.}
 No minimum spending
 Uncapped earn rates
 3-year miles expiry term
 7 useful miles transfer partners
 Free miles transfers to frequent flyer programs
 Instant miles transfers
 2 free airport limo rides per quarter ^{To qualify, Premier customers will need to spend at least S$12,000 on the card in the preceding quarter. No spending requirement for Premier Elite customers.}

⚠️ Banking relationship with at least S$200,000 relationship balance required
⚠️ Low earn rates (spend with 4 mpd cards instead):
• 1.68 mpd on local spending
• 2.76 mpd on foreign currency spending⚠️ Poor transfer ratio to KrisFlyer
⚠️ 3.25% foreign transaction fee

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HSBC Premier Mastercard

Suitesmile rating:

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✍️ 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

🎁 Sign-up promo

Card rating ^{Suitesmile's overall rating of this card (out of 5), all things considered. This includes how it compares against alternative miles/cashback cards, its annual fee, and how easy (or hard) it is to achieve the advertised benefits.}:
Ease of use ^{A rating (out of 5 stars) of how easy it is to achieve the maximum earn rate and other benefits advertised by this card.}:
Minimum annual income: S$120,000
Annual fee: S$498 (no waiver; always comes with 15,000 miles)

 Get unlimited airport lounge visits ^{Get unlimited free airport lounge visits worldwide via DragonPass. Entitlement can be used for lounges only (no restaurants and spas), for the principal cardholder only. Supplementary cardholders get 2 free visits per calendar year.}
 No minimum spending
 Uncapped earn rates
 Miles don’t expire

⚠️ Low earn rates (spend with 4 mpd cards instead):
• 1.3 mpd on local spending
• 2.2 mpd on foreign currency spending⚠️ S$5 earning block ^{Transactions under S$5 earn zero miles.}
⚠️ Only 2 useful miles transfer partners
⚠️ 3.25% foreign transaction fee

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OCBC Voyage Card

Suitesmile rating:

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✍️ 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

🎁 Sign-up promo

Card rating ^{Suitesmile's overall rating of this card (out of 5), all things considered. This includes how it compares against alternative miles/cashback cards, its annual fee, and how easy (or hard) it is to achieve the advertised benefits.}:
Ease of use ^{A rating (out of 5 stars) of how easy it is to achieve the maximum earn rate and other benefits advertised by this card.}:
Minimum annual income: S$200,000
Annual fee: S$1,635 (no waiver, no miles)

 Get unlimited free airport lounge visits ^{Get unlimited free airport lounge visits worldwide via Priority Pass. Entitlement can be used for restaurants, lounges and spas, and even for guests, up to 6 visits per calendar year. Supplementary cardholders have the same airport lounge entitlement.}
 No minimum spending
 Uncapped earn rates
 Miles don’t expire

⚠️ Low earn rates for non-banking customers (spend with 4 mpd cards instead):
• 1.5 mpd on local spending
• 3 mpd on foreign currency spending⚠️ Only 2 useful miles transfer partners
⚠️ 3.5% foreign transaction fee

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Standard Chartered Beyond Card

Suitesmile rating:

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✍️ 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

🎁 Sign-up promo

Card rating ^{Suitesmile's overall rating of this card (out of 5), all things considered. This includes how it compares against alternative miles/cashback cards, its annual fee, and how easy (or hard) it is to achieve the advertised benefits.}:
Ease of use ^{A rating (out of 5 stars) of how easy it is to achieve the maximum earn rate and other benefits advertised by this card.}:
Minimum annual income: S$120,000
Annual fee: S$651.82 (no waiver; always comes with 32,000 miles)

 Get 12 free airport lounge visits per calendar year ^{Get 12 free airport lounge visits worldwide via Priority Pass. Entitlement can be used for lounges, restaurants and spas, for the principal cardholder and guests. Supplementary cardholders do not have any airport lounge entitlement.}
 4th night free on hotel bookings
 No minimum spending
 Uncapped earn rates
 Miles don’t expire
 9 useful miles transfer partners

⚠️ Low earn rates (spend with 4 mpd cards instead):
• 1.3 mpd on local spending
• 2 mpd on foreign currency spending⚠️ 3.25% foreign transaction fee
⚠️ Many unfavourable rules on 4th night free benefit <sup>Must book via Citi Prestige Concierge. Must be prepaid at the time of booking. Get credited on room rate only (you'll still have to pay taxes/fees on the 'complimentary night').

Ineligible bookings include: Back-to-back stays in the same city, suites, villas, apartments and packaged rates.</sup>

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Citi Prestige Card

Suitesmile rating:

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✍️ 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

🎁 Sign-up promo

Card rating ^{Suitesmile's overall rating of this card (out of 5), all things considered. This includes how it compares against alternative miles/cashback cards, its annual fee, and how easy (or hard) it is to achieve the advertised benefits.}:
Ease of use ^{A rating (out of 5 stars) of how easy it is to achieve the maximum earn rate and other benefits advertised by this card.}:
Minimum annual income: S$120,000
Annual fee: S$654 (no waiver; always comes with 25,000 miles)

 Get 12 free airport lounge visits per card membership year ^{Get 12 free airport lounge visits worldwide via Dragonpass. Entitlement can be used for lounges, restaurants and spas, for the principal cardholder and guests. Supplementary cardholders share the same lounge entitlement as the principal cardholder.}
 No minimum spending
 Uncapped earn rates
 Free miles transfers to frequent flyer programs

⚠️ Low earn rates (spend with 4 mpd cards instead):
• 1.4 mpd on local spending
• 2.4 mpd on foreign currency spending⚠️ S$5 earning block ^{Transactions under S$5 earn zero miles.}
⚠️ 2-year miles expiry term
⚠️ Only 2 useful miles transfer partners
⚠️ 3.25% foreign transaction fee

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UOB Visa Infinite Metal Card

Suitesmile rating:

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✍️ 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 12 free airport lounge visits per card membership year that you can share with accompanying guests.

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.

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
12 free lounge visits (via Dragonpass)

⏰ 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

🎁 Sign-up promo

Card rating ^{Suitesmile's overall rating of this card (out of 5), all things considered. This includes how it compares against alternative miles/cashback cards, its annual fee, and how easy (or hard) it is to achieve the advertised benefits.}:
Ease of use ^{A rating (out of 5 stars) of how easy it is to achieve the maximum earn rate and other benefits advertised by this card.}:
Minimum annual income: S$120,000
Annual fee: S$599.50 (no waiver; always comes with 25,000 miles)

 Get 10 free airport lounge visits per card membership year ^{Get 10 free airport lounge visits worldwide via Priority Pass. Entitlement can be used for lounges, restaurants and spas, for the principal cardholder and guest. Supplementary cardholders do not have any airport lounge entitlement.}
 2 free nights in Asia Pacific via Accor+ Explorer membership ^{Pay 1 night, get 1 night free, up to 2 times.}
 No minimum spending
 Uncapped earn rates

⚠️ Low earn rates (spend with 4 mpd cards instead):
• 1.5 mpd on local spending
• 2.2 mpd on foreign currency spending⚠️ 3-year miles expiry term
⚠️ Only 3 useful miles transfer partners
⚠️ 3.25% foreign transaction fee

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DBS Vantage Card

Suitesmile rating:

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✍️ 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

🎁 Sign-up promo

Card rating ^{Suitesmile's overall rating of this card (out of 5), all things considered. This includes how it compares against alternative miles/cashback cards, its annual fee, and how easy (or hard) it is to achieve the advertised benefits.}:
Ease of use ^{A rating (out of 5 stars) of how easy it is to achieve the maximum earn rate and other benefits advertised by this card.}:
Minimum annual income:• S’porean/PR: S$30,000 – S$150,000 ^{Income requirement depends on your banking relationship with Standard Chartered. S$30,000/year Priority/Private Banking customers, S$150,000 for others.}• Foreigner: S$60,000 – S$150,000 ^{Income requirement depends on your banking relationship with Standard Chartered. S$60,000/year Priority/Private Banking customers, S$150,000 for others.}Annual fee: S$599.50 (no waiver, always comes with 20k miles)

 Get 6 free airport lounge visits per card membership year ^{Get 6 free airport lounge visits worldwide via Priority Pass. Entitlement can be used for lounges, restaurants and spas, for the principal cardholder and guests. Supplementary cardholders do not have any airport lounge entitlement.}
 Uncapped earn rates
 Miles don’t expire

⚠️ Low earn rates (spend with 4 mpd cards instead):
• 1 mpd on local spending (1.4 mpd with S$2,000/month spending)
• 1 mpd on foreign currency spending (3 mpd with S$2,000/month spending)⚠️ Only 2 useful miles transfer partners
⚠️ 3.5% foreign transaction fee

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More information on the

Standard Chartered Visa Infinite Card

Suitesmile rating:

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✍️ 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.

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💸 Annual fee
S$599.50
(No waiver, always comes with 20k 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$27.25 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

🎁 Sign-up promo

Card rating ^{Suitesmile's overall rating of this card (out of 5), all things considered. This includes how it compares against alternative miles/cashback cards, its annual fee, and how easy (or hard) it is to achieve the advertised benefits.}:
Ease of use ^{A rating (out of 5 stars) of how easy it is to achieve the maximum earn rate and other benefits advertised by this card.}:
Minimum annual income: S$150,000
Annual fee: S$654 (first year waived)

 Get 4 free airport lounge visits per card membership year ^{Get 4 free airport lounge visits worldwide via Priority Pass. Entitlement can be used for lounges, restaurants and spas, for the principal cardholder only. Supplementary cardholders do not have any airport lounge entitlement.}
 Earn 3.2 mpd on foreign currency spending
 Earn base miles (1.2 or 2 mpd) on commonly excluded categories like insurance, education and medical
 Uncapped earn rates
 Miles don’t expire
 Up to 8 free airport limo rides per calendar year ^{To qualify, cardholders will need to spend at least S$3,000 on the card in the preceding calendar month.}

⚠️ Minimum card spend of S$4,000 per calendar month required for foreign currency bonus earn rate
⚠️ Low earn rates on non-bonus spending (spend with 4 mpd cards instead):
• 1.2 mpd on local spending
• 2 mpd on foreign currency spending (without min. spend)⚠️ S$5 earning block ^{Transactions under S$5 earn zero miles.}
⚠️ Only 3 useful miles transfer partners
⚠️ 3.25% foreign transaction fee

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Maybank Visa Infinite Card

Suitesmile rating:

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✍️ Short summary
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.

On top of that, receive base miles (1.2 mpd for local, 2 mpd for foreign currency transactions) on commonly-excluded transactions such as insurance, education and medical.

Get 4 complimentary airport lounge visits per card membership year, but note that this lounge entitlement can only be used for the main cardholder (guests chargeable at US$35 per visit).

Cardholders can also receive up to 8 complimentary airport limo rides per calendar year by spending at least S$3,000 on the card in the previous month.

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 off all your other Maybank cards.

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💸 Annual fee
S$654
(First year waived)

💼 Income requirement
S$150,000/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 35 bonus points for foreign currency transactions (equivalent to 3.2 mpd in total). Base and bonus points are credited immediately when the transaction is posted.

📜 Terms & conditions

🎁 Sign-up promo

Card rating ^{Suitesmile's overall rating of this card (out of 5), all things considered. This includes how it compares against alternative miles/cashback cards, its annual fee, and how easy (or hard) it is to achieve the advertised benefits.}:
Ease of use ^{A rating (out of 5 stars) of how easy it is to achieve the maximum earn rate and other benefits advertised by this card.}:
Minimum annual income: S$120,000
Annual fee: No annual fee, ever

 Get 3 free airport lounge visits per card membership year ^{Get 3 free airport lounge visits worldwide via DragonPass. Entitlement can be used for lounges, restaurants and spas, for the principal cardholder only. Supplementary cardholders do not have any airport lounge entitlement.}
 Get 2% cashback on flights, hotels and foreign currency spending
 Uncapped earn rates

⚠️ Minimum card spend of S$2,000 per statement month required for bonus cashback
⚠️ Bonus category is MCC-sensitive
⚠️ Low earn rate on non-bonus spending (spend with better cashback cards)
⚠️ 3% foreign transaction fee

📄 Quick review

More information on the

CIMB Visa Infinite Card

Suitesmile rating:

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✍️ Short summary
This card gives you uncapped 1% cashback on almost everything.

Cardholders can also receive a bonus 1% cashback (total 2%) on travel-related (e.g. flights, hotels, travel agencies) and foreign currency spending when they spend at least S$2,000 per statement month.

Cardholders are also entitled to 3 free airport lounge visits (via DragonPass) per card membership year.

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💸 Annual fee
No annual fee, ever

💼 Income requirement
S$120,000/year

🤑 Foreign currency fee
3%

❓How/When cashback is credited
1% base cashback will be credited within the same statement month, while the +1% additional cashback will be credited by the following statement month.

📜 Terms & conditions

🎁 Sign-up promo