Flying Blue Promo Rewards Oct 2026: 25% Off Singapore-Europe Flights

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; request waiver every year)

 Earn 4 mpd on online spending, selected in-person shopping and in-person overseas spending (via Amaze ^{For in-person overseas spending, the trick is to link the Citi Rewards Card to Amaze, then use the Amaze Card to spend. Such transactions will be seen as 'online' by Citibank, earning you the bonus earn rate.}), up to S$1,000 per statement month
 No minimum spending
 5-year points expiry cycle ^{Points expire in 5-year cycles (plus 3 months grace period) from your card approval date. As such, points earned near the end of a cycle will have a shorter expiry term.}
 8 useful points transfer partners

0.4 mpd earn rate on non-bonus spending
Travel-related spending (e.g. flights, hotels) excluded from bonus earn rate
In-person shopping bonus earn rate (without Amaze linkage) is MCC-sensitive
3.25% foreign transaction fee (save ~1% via Amaze)
Amaze linkage for SGD spending comes with a 1% 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
 8 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$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
 Points don’t expire
 8 useful points 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 points 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)

⏰ Points expiry
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 points are credited immediately when the transaction is posted.

📜 Terms & conditions

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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: No annual fee, ever

 Earn 4 mpd on selected contactless and online spending, up to S$1,000 per calendar month ^{Earn 4 mpd on contactless and online transactions, on a wide range of spending categories like retail shopping (online and in-person), dining, flights (direct with airlines only), hotels (excl. online travel agencies like Agoda, Trip.com etc.), food delivery and ride-hailing.}
 Boost bonus earn rate to 8 mpd (up to S$1,200 per calendar month) with a minimum deposit of S$50,000 ^{HSBC customers with a minimum deposit of S$50,000 in the HSBC Everyday Global Account can enjoy an earn rate of 8 mpd (instead of 4 mpd) on selected contactless and online spending.}
 No minimum spending
 3-year points expiry term
 6 useful points transfer partners
 Free points transfers to frequent flyer programs
 Instant points transfers

0.4 mpd earn rate on non-bonus spending
Poor transfer ratio to KrisFlyer ^{Due to inferior transfer ratio, if/when the points earned on this card are converted to KrisFlyer miles, the bonus earn rate would effectively be 3.3 mpd, instead of 4 mpd.}
Bonus categories are MCC-sensitive
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$65,000Annual 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 points expiry term
 6 useful points transfer partners
 Free points transfers to frequent flyer programs
 Instant points 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 2026, 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$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 required 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 and up to 3 supplementary cardholders.}
 No minimum spending
 Uncapped earn rates
 3-year points expiry term
 6 useful points transfer partners
 Free points transfers to frequent flyer programs
 Instant points 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)

⏰ 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$45,000Annual fee: S$196.20 (first 2 years waived; request waiver every year)

 Earn 4 mpd on shopping (online and in-person), up to S$1,110 per calendar month
 No minimum spending

0.4 mpd earn rate on non-bonus spending
S$5 earning block ^{Transactions under S$5 earn zero miles.}
2-year points expiry term
Only 2 good-value points transfer partners
Bonus category is MCC-sensitive
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.})

 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
• 2.1 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 90°N 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 2.1 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 earned on this card do not expire.

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💸 Annual fee
S$196.20
(First year 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%

⏰ Miles expiry
Miles earned from this card do not expire

🫱‍🫲 Transfer partners
KrisFlyer, Flying Blue

💯 Transfer ratio
1 90°N Mile = 1 KrisFlyer mile

🧮 Transfer block
10,000 90°N Miles

💲Transfer fee
S$25 per transfer

🤗 Miles pooling
90°N Miles from this card cannot be combined with miles/points earned from other OCBC cards.

❓How/When miles are credited
Earn 6.5 90°N Miles per S$5 spent locally (equivalent to 1.3 mpd) and 10.5 90°N Miles per S$5 spent in foreign currencies. 90°N Miles are credited immediately when the transactions are posted.

📜 Terms & conditions

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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 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
1 Voyage mile = 1 mile

🧮 Transfer block
10,000 Voyage 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

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