Credit Card Transfer Partners Of Miles & Points In Singapore

Last updated on 6 April 2026

Which credit card transfer partners do Singapore cardholders have access to? This guide covers every frequent flyer program (FFP) and hotel loyalty program that accepts miles and points transfers from Singapore credit cards.

Credit Card Transfer Partners of Miles & Points in Singapore

Table of Contents

Why it’s good to have more transfer partners

Have you been using the best credit cards to earn as many miles as you can? Cardholders are encouraged to look beyond the “miles per dollar” (mpd) figure when deciding on the “best” card to use for each spending category.

Using cards with multiple transfer partners is just as important, as it gives you greater flexibility when redeeming miles for award flights (when an FFP lacks saver award availability) as well as access to more award sweet spots:

^{Additional note: Avios (a.k.a. miles) from Qatar Airways Privilege Club, British Airways Club and Finnair Plus can be transferred between one another for free. If a credit card provider has one of these FFPs as a transfer partner, it indirectly (also) has access to the other two.}

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Credit card transfer partners of Miles & Points

⚠️ Warning: Some credit card providers (especially OCBC) boast about having multiple transfer partners, even when most of those partners come with poor transfer ratios. Don’t sabotage your miles and credit card strategy by transferring to these frequent flyer and hotel loyalty programs, unless you really know what you’re doing.

I’ve made it easy for you to glance at the ones to avoid. Here’s a detailed look at the transfer partners of Singapore’s miles-earning credit cards:

Useful frequent flyer programs

There are currently 11 useful FFPs that Singapore-based travellers can access through miles/points earned from credit card spending.

So, what makes an FFP useful to Singapore-based travellers? In my opinion, they have to satisfy at least 2 of the following conditions:

Good transfer ratios
Competitive award rates
Acceptable fuel surcharges/fees
Good Miles sales

= Poor transfer ratio

AVOID: Frequent flyer programs that are NOT useful

Miles/points earned from Singapore credit cards can be transferred to 7 FFPs that are NOT useful to Singapore-based travellers, based on the conditions shared earlier.

You can still consider them for a one-time or specific use case.

Frequent Flyer Program	Citibank	HSBC	OCBC	DBS	UOB	Maybank	American Express	Standard Chartered
Thai Airways Royal Orchid Plus Star Alliance		^{Receive 17% fewer miles when you transfer HSBC points to this frequent flyer program. Effective earn rates: 4 mpd → 3.3 mpd 2.4 mpd → 2 mpd 1.2 mpd → 1 mpd}
Etihad Guest			^{Receive 10% fewer miles when you transfer OCBC miles/points to this frequent flyer program. Effective earn rates: 4 mpd → 3.6 mpd 2.1 mpd → 1.9 mpd 1.3 mpd → 1.2 mpd}
Vietnam Airlines Lotusmiles SkyTeam Alliance
United Airlines MileagePlus Star Alliance		^{Receive 29% fewer miles when you transfer HSBC points to this frequent flyer program. Effective earn rates: 4 mpd → 2.9 mpd 2.4 mpd → 1.7 mpd 1.2 mpd → 0.9 mpd}	^{Receive 30% fewer miles when you transfer OCBC miles/points to this frequent flyer program. Effective earn rates: 4 mpd → 2.8 mpd 2.1 mpd → 1.5 mpd 1.3 mpd → 0.9 mpd}
Hainan Airlines Fortune Wings Club		^{Receive 29% fewer miles when you transfer HSBC points to this frequent flyer program. Effective earn rates: 4 mpd → 2.9 mpd 2.4 mpd → 1.7 mpd 1.2 mpd → 0.9 mpd}
Japan Airlines Mileage Bank Oneworld Alliance		^{Receive 50% fewer miles when you transfer HSBC points to this frequent flyer program. Effective earn rates: 4 mpd → 2 mpd 2.4 mpd → 1.2 mpd 1.2 mpd → 0.6 mpd}
Emirates Skywards							^{Receive 15% fewer miles when you transfer AMEX points to this frequent flyer program.}

AVOID: Hotel loyalty programs

There are currently 5 hotel loyalty programs that are accessible to Singapore credit cardholders.

While these hotel points are useful for redemptions on hotel stays, it’s a horrible idea to convert your credit card miles/points to them, as the transfer ratios are poor, and you’d be forgoing the opportunity to convert them to frequent flyer miles that are generally more valuable. Besides, you can often buy hotel points at a discount through year-round promotions.

You can still consider them for a one-time or specific use case.

Hotel Loyalty Program	Citibank	HSBC	OCBC	DBS	UOB	Maybank	American Express	Standard Chartered
Marriott Bonvoy		^{Receive poor value for your credit card miles/points when you transfer to this hotel loyalty program. Pick a frequent flyer program instead.}	^{Receive poor value for your credit card miles/points when you transfer to this hotel loyalty program. Pick a frequent flyer program instead.}				^{Receive poor value for your credit card miles/points when you transfer to this hotel loyalty program. Pick a frequent flyer program instead.}
Hilton Honors							^{Receive poor value for your credit card miles/points when you transfer to this hotel loyalty program. Pick a frequent flyer program instead.}
Accor Live Limitless		^{Receive poor value for your credit card miles/points when you transfer to this hotel loyalty program. Pick a frequent flyer program instead.}	^{Receive poor value for your credit card miles/points when you transfer to this hotel loyalty program. Pick a frequent flyer program instead.}
IHG One Rewards	^{Receive poor value for your credit card miles/points when you transfer to this hotel loyalty program. Pick a frequent flyer program instead.}	^{Receive poor value for your credit card miles/points when you transfer to this hotel loyalty program. Pick a frequent flyer program instead.}	^{Receive poor value for your credit card miles/points when you transfer to this hotel loyalty program. Pick a frequent flyer program instead.}
Wyndham Rewards		^{Receive poor value for your credit card miles/points when you transfer to this hotel loyalty program. Pick a frequent flyer program instead.}

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Miles credit cards with more transfer partners

Enjoy better flexibility by prioritizing Miles credit cards with more transfer partners when choosing between those with similar earn rates.

How are these cards chosen and ranked?

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

1) Earn rates (miles/cashback)
2) Accessibility (min. income/age requirements)
3) Ease of use (min. spending, conditions to receive max. miles/cashback)
4) Miles/Points flexibility (expiry term, transfer partners)
5) Annual fee
6) Foreign transaction fee
7) Other additional benefits

Citi Rewards Card

Earn 4 mpd on online spending, selected in-person shopping and even in-person overseas spending with Amaze linkage

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Key details of the Citi Rewards Card

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 miles expiry cycle ^{Miles/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.}
9 useful miles 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

📄 Complete review

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HSBC Revolution Card

Earn 4 mpd on contactless and online spending; boost earn rate to 8 mpd with a minimum deposit of S$50,000

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Key details of the HSBC Revolution Card

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 miles expiry term
7 useful miles transfer partners
Free miles transfers to frequent flyer programs
Instant miles transfers
No annual fee, ever

⚠️ 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

📄 Complete review

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Citi Prestige Card

Get 12 free airport lounge visits per year, earn 1.3 mpd on local spending and 2 mpd on foreign currencies

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Key details of the Citi Prestige Card

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 ^{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.}

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Citi PremierMiles Card

Get 2 free airport lounge visits per year, earn 1.2 mpd on local spending and 2.2 mpd on foreign currencies

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Key details of the Citi PremierMiles Card

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

📄 Complete review

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HSBC TravelOne Card

Get 4 free airport lounge visits per year, earn 1.2 mpd on local spending and 2.4 mpd on foreign currencies

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Key details of the HSBC TravelOne Card

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 Premier Mastercard

Get unlimited free airport lounge visits, earn 1.68 mpd on local spending and 2.76 mpd on foreign currencies

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Key details of the HSBC Premier Mastercard

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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Frequent Flyer Program	Citibank	HSBC	OCBC	DBS	UOB	Maybank	American Express	Standard Chartered
Singapore Airlines KrisFlyer Star Alliance		^{Receive 17% fewer miles when you transfer HSBC points to this frequent flyer program. Effective earn rates: 4 mpd → 3.3 mpd 2.4 mpd → 2 mpd 1.2 mpd → 1 mpd}
Cathay Pacific Asia Miles Oneworld Alliance			^{Receive 25% fewer miles when you transfer OCBC miles/points to this frequent flyer program. Effective earn rates: 4 mpd → 3 mpd 2.1 mpd → 1.6 mpd 1.3 mpd → 1 mpd}
EVA Air Infinity MileageLands Star Alliance
Qatar Airways Privilege Club Oneworld Alliance		(via BA Club only) ^{Receive 29% fewer Avios if you transfer HSBC points directly to this frequent flyer program. Effective earn rates: 4 mpd → 2.9 mpd 2.4 mpd → 1.7 mpd 1.2 mpd → 0.9 mpd Pro tip: Avoid this poor transfer ratio by transferring to The British Airways Club first, then transfer the Avios to Qatar Airways Privilege Club, for free.}					(via BA Club only) ^{This frequent flyer program is not a direct transfer partner of AMEX credit cards. However, you can access it by transferring your credit card miles/points to The British Airways Club first, then transfer the Avios to Qatar Airways Privilege Club, for free.}
British Airways Club Oneworld Alliance			^{Receive 10% fewer miles when you transfer OCBC miles/points to this frequent flyer program. Effective earn rates: 4 mpd → 3.6 mpd 2.1 mpd → 1.9 mpd 1.3 mpd → 1.2 mpd}
Finnair Plus Oneworld Alliance	(via BA Club only) ^{This frequent flyer program is not a direct transfer partner of Citibank credit cards. However, you can access it by transferring your credit card miles/points to The British Airways Club first, then transfer the Avios to Finnair Plus, for free.}	(via BA Club only) ^{This frequent flyer program is not a direct transfer partner of HSBC credit cards. However, you can access it by transferring your credit card miles/points to The British Airways Club first, then transfer the Avios to Finnair Plus, for free.}					(via BA Club only) ^{This frequent flyer program is not a direct transfer partner of AMEX credit cards. However, you can access it by transferring your credit card miles/points to The British Airways Club first, then transfer the Avios to Finnair Plus, for free.}
KLM/Air France Flying Blue SkyTeam Alliance
Qantas Frequent Flyer Oneworld Alliance
Turkish Airlines Miles&Smiles Star Alliance		^{Receive 29% fewer miles when you transfer HSBC points to this frequent flyer program. Effective earn rates: 4 mpd → 2.9 mpd 2.4 mpd → 1.7 mpd 1.2 mpd → 0.9 mpd}
Malaysia Airlines Enrich Oneworld Alliance
Air Canada Aeroplan Star Alliance		^{Receive 29% fewer miles when you transfer HSBC points to this frequent flyer program. Effective earn rates: 4 mpd → 2.9 mpd 2.4 mpd → 1.7 mpd 1.2 mpd → 0.9 mpd}