Credit Card Transfer Partners of Miles & Points in Singapore

Last updated on 11 January 2025

Here’s a master list of frequent flyer programs (FFPs) and hotel loyalty programs that you can transfer Singapore credit card miles and points to.

Have you been using the best credit cards to earn as much 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! This gives you greater flexibility when redeeming miles for award flights, as well as access to more award sweet spots.

^{Additional note: Avios (a.k.a. Miles) from Qatar Airways Privilege Club, British Airways Executive 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.}

Great Cards with More Transfer Partners

💡 Click on the + Card Summary buttons below to view the key details of each card.

Citi Rewards

Earn 4 mpd on online spending, except travel-related

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🎁 Sign-up bonus

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More information on the

Citi Rewards Mastercard

Suitesmile rating:

✍️ Short summary
This card gives you a strong earn rate of 4 miles per dollar on online spending, up to $1,000 per statement month. This covers a wide range of spending categories like online shopping, ride-hailing, food delivery and even phone/internet bills.

Cardholders can also earn 4 mpd on in-person shopping at stores that sell shoes and bags and clothes as their main business activity.

Take note that cardholders will only earn 0.4 mpd on travel-related categories (e.g. flights and hotels) and spending above $1,000 per statement month.

Having many transfer partners and up to 5-year expiry term gives you fantastic flexibility. However, take note that your points’ expiry term starts from the date the card is opened (i.e. not from the transaction date).

Pro tip: Link this card to Amaze and use the Amaze card to also earn 4 mpd on general spending categories like online/offline shopping, dining and groceries! This pairing turns all your offline transactions “online” (to earn 4 mpd on some cards) and lowers your foreign currency charges.

💸 Annual fee
$196.20
(First year waived)

💼 Income requirement
$30,000/year

🤑 Foreign currency fee
3.25%
(Lower this fee by linking this card to Amaze)

⏰ Points expiry
Every 5 years from card opening date (+3 months grace period)

🫱‍🫲 Transfer partners
Krisflyer, Asia Miles, Miles&Smiles, Privilege Club and more!

💯 Transfer ratio
2.5 points = 1 mile

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

💲 Transfer fee
$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
Earn 1 base point per dollar spent, plus 9 bonus points for online spending (equivalent to 4 mpd in total). Base and bonus points are credited immediately when the transaction is posted.

📜 Terms & conditions

Citi Prestige

Unlimited free airport lounge visits for two, 4th night free on hotel bookings

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🎁 Sign-up bonus

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Citi Prestige Mastercard

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 do not expire gives you fantastic flexibility.

Cardholders are also entitled to unlimited free airport lounge visits (via Priority Pass) for the cardholder +1 guest and 4th Night Free on prepaid hotel bookings made through the Citi Prestige Concierge.

💸 Annual fee
$545
(Strictly no waiver. Comes with 62,500 points, equivalent to 25,000 miles)

💼 Income requirement
$120,000/year
(Can’t meet the income requirement? Visit a Citibank branch to apply for a secured card with a $10,000 fixed deposit)

🤑 Foreign currency fee
3.25%

🛋️ Airport lounge access
Unlimited free visits per calendar year for 2 pax via Priority Pass

⏰ Points expiry
Points earned on this card never expires!

🫱‍🫲 Transfer partners
KrisFlyer, Asia Miles, Miles&Smiles, Privilege Club and more!

💯 Transfer ratio
2.5 points = 1 mile

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

💲 Transfer fee
$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

HSBC Revolution

Earn 4 mpd on selected online spending

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🎁 Sign-up bonus

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HSBC Revolution Visa Card

Suitesmile rating:

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

Online Shopping
Ride-Hailing

The 4 mpd earn rate can be enjoyed for eligible spendings of up to $1,000 per calendar month (no minimum spend, foreign currency counts).

Take note that cardholders will only earn 0.4 mpd on other categories and spending above $1,000 per calendar month.

This is a good fuss-free card that offers a great earn rate on online spending, without any annual fee to worry about, and free points conversions.

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 other than Europe, Japan and South Korea.

Not into Miles or travel-hacking? Redeem your points for 2.5% cashback instead, on the aforementioned spending categories.

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.

💸 Annual fee
No annual fee, ever

💼 Income requirement
$30,000/year

🤑 Foreign currency fee
3.25%

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

🫱‍🫲 Transfer partners
Asia Miles, Infinity MileageLands, Executive 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
Earn 1 base point per dollar spent, plus 9 bonus points for eligible online spending (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

Citi PremierMiles

Earn 1.2 mpd on local spend, 2.2 mpd on foreign currency

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🎁 Sign-up bonus

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Citi PremierMiles Mastercard

Suitesmile rating:

✍️ Short summary
This card gives you an uncapped earn rate of 1.2 miles per dollar on SGD spending and 2.2 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 and miles that do not expire gives you fantastic flexibility. Because of these 2 key factors, I recommend using this card over other General Spending cards with similar earn rates.

Cardholders are also entitled to 2 free airport lounge visits (via Priority Pass) per calendar year! For example, if you apply for the card in March this year, you will get 2 free visits for the current year, plus 2 more free visits from 1 January the following year.

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

💼 Income requirement
$30,000/year

🤑 Foreign currency fee
3.25%

🛋️ Airport lounge access
2 free visits per calendar year via Priority Pass

⏰ Points expiry
Miles earned on this card do not expire!

🫱‍🫲 Transfer partners
KrisFlyer, Asia Miles, Miles&Smiles, Privilege Club and more!

💯 Transfer ratio
1 Citi mile = 1 mile

🧮 Transfer block
10,000 miles

💲 Transfer fee
$27.25 per transfer

🤗 Points/Miles pooling
Miles 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

HSBC TravelOne

Earn 1.2 mpd on local spend, 2.4 mpd on foreign currency

Apply now

🎁 Sign-up bonus

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HSBC TravelOne Mastercard

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. For this reason, I recommend using this card over other General Spending cards with similar earn rates.

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.

💸 Annual fee
$196.20
(Get 25k points (10k 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
$30,000/year

🤑 Foreign currency fee
3.25%

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

🫱‍🫲 Transfer partners
Asia Miles, Infinity MileageLands, Executive 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

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Frequent Flyer Program	Citibank	HSBC	OCBC	DBS	UOB	Maybank	American Express	Standard Chartered
Singapore Airlines KrisFlyer
Cathay Pacific Asia Miles
EVA Air Infinity MileageLands
Qatar Airways Privilege Club		(via BA Executive Club only)					(via BA Executive Club only)
British Airways Executive Club
Finnair Plus	(via BA Executive Club only)	(via BA Executive Club only)					(via BA Executive Club only)
KLM/Air France Flying Blue
Qantas Frequent Flyer
Turkish Airlines Miles&Smiles
Thai Airways Royal Orchid Plus
Etihad Guest
Malaysia Airlines Enrich
Vietnam Airlines Lotusmiles
Air Canada Aeroplan
United Airlines MileagePlus
Hainan Airlines Fortune Wings Club
Japan Airlines Mileage Bank
Emirates Skywards
China Airlines Dynasty Flyer
Marriott Bonvoy
Hilton Honors
Accor Live Limitless
IHG One Rewards
Wyndham Rewards
= Poor transfer ratio