Singapore Bank Transfer Partners of Credit Card Miles and Points

Last updated on 1 March 2024

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, especially when travelling during peak seasons.

Here are the frequent flyer and hotel loyalty programs that you can transfer Singapore credit card miles/points to:

Great Cards with More Transfer Partners

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

Citi Rewards

Earn 4 mpd on online spending, except travel-related

Apply now

🎁 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.

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 transaction “online” (to earn 4 mpd) and lowers your foreign currency charges!

💸 Annual fee
$196.20
(First year waived)

💼 Income requirement
$30,000/year

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

⏰ Points expiry
Every 5 years from card opening date

🫱‍🫲 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 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%
(Avoid this fee by linking this card to Amaze!)

🛋️ 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 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

Citi PremierMiles

Earn 1.2 mpd on local spend, 2 mpd on foreign currency

Apply now

🎁 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 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 this card more than other general spending cards with slightly higher 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 2023, 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%
(Avoid this fee by linking this card to Amaze!)

🛋️ 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 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

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🎁 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 this card more than other general spending cards with slightly higher 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 are automatically enrolled into HSBC’s Mileage Programme, for free till 31 Jan 2025. Upon enrollment, cardholders can make unlimited points transfers, at no cost. (FYI: Most other cards charge about $25 fee per transfer)

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
(receive first-year waiver, if you don’t want the sign-up bonus)

💼 Income requirement
$30,000/year

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

⏰ Points expiry
3 years from transaction
(37 to 38 months to be exact)

🫱‍🫲 Transfer partners
KrisFlyer, 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 till 31 May 2024

🤗 Points pooling
Points from this card cannot be combined with those from other HSBC 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

When do Miles and Points from Singapore credit cards expire?
Best Miles and Cashback credit cards in Singapore
Sweet Spots: Best ways to redeem Singapore Airlines Krisflyer miles
Sweet Spots: Best ways to redeem Cathay Pacific Asia Miles

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