Excellent! ROSHI has found 12 Air Miles cards for you.

American Express The Platinum Card

4.5Good to Excellent

S$1.60 = 20 Pointsfor first S$16,000 spent at participating Platinum EXTRA Partners

Exclusive Accessto the Tower Club, Pall Mall London and more

1 Point = 0.625 MilesRewards to Miles Conversion for Singapore Airlines and more

  • 75,000 Membership Rewards® Points Welcome Bonus*
Apply Now

On American Express's website

Card Features

  • Exclusive access to Platinum Vibes at Marina at Keppel Bay, Tower Club, Pall Mall London, among others
  • Enjoy an annual 2D/1N stay in the St. Regis or W Hotel Singapore as a Membership anniversary gift
  • Up to 50% savings at selected hotels and restaurants such as Marriott, St. Regis, Lawry’s and TWG among others
  • Receive S$800 Travel Credits annually (S$400 Air Travel Credit + S$400 Lodging Credit) by booking through The Platinum Concierge
  • Earn 20 Membership points per S$1.60 spent at Platinum EXTRA partners, capped at S$16,000 spent

Annual Interest Rate and Fees

  • Anual Interest RateN/A

  • Principle Annual Fee$1712

  • Supplementary Annual Fee$160.50 (First 2 Supplementary Cards fee permanently waived)

  • Fee WaiverNot Available

  • Minimum Monthly RepaymentN/A

  • Interest Free PeriodN/A

Minimum Income Requirements

  • Singaporean$200,000.00

  • Foreigner$200,000.00

Other

  • Card AssociationAmerican Express

  • Wireless PaymentN/A

KrisFlyer UOB Credit Card

3.5Good to Excellent

S$1 = 3 Mileson Singapore Airlines, SilkAir, Scoot and KrisShop

S$1 = 3 Mileson dining, food delivery, online shopping and travel, and transport spend

S$1 = 1.2 Mileson all other spend

  • Earn up to 3 KrisFlyer Miles per S$1 on everyday spend
Apply Now

On UOB's website

Card Features

  • $1 = 3 KrisFlyer Miles for spend on everyday spend categories with S$500 min. annual spend on Singapore Airlines Group
  • $1 = 3 KrisFlyer Miles on Singapore Airlines, SilkAir, Scoot and KrisShop purchases
  • $1 = 1.8 KrisFlyer Miles on Dining, Online Shopping and Travel, and Transport Card Transactions with a min sum of S$500 charged on Singapore Airlines Related Card Transactions in a year
  • $1 = 1.2 KrisFlyer Miles on all other spend

Annual Interest Rate and Fees

  • Anual Interest Rate25.90%

  • Principle Annual Fee$193

  • Supplementary Annual Fee96.3

  • Fee WaiverAvailable

  • Minimum Monthly Repayment3% or S$50, whichever is higher

  • Interest Free Period21 days

Minimum Income Requirements

  • Singaporean$30,000.00

  • Foreigner$40,000.00

Other

  • Card AssociationMastercard

  • Wireless PaymentApple Pay, Samsung Pay

UOB PRVI Miles Card

4.3Good to Excellent

S$1 = 1.4 MilesLocal Spend

S$1 = 2.4 MilesOverseas Spend

S$1 = 10 MilesSelected Online Hotel and Flight bookings

  • Earn up to 3miles per S$1 spend on Klook (Exclusive to UOB Prvi Miles Cards only)
Apply Now

On UOB's website

Card Features

  • S$1 = 1.4 miles (Local spend)
  • S$1 = 2.4 miles (Overseas spend)
  • S$1 = 6 miles for spends on major airlines and hotels booked through Agoda, Expedia and UOB Travel
  • No minimum spend and no cap on earned miles
  • Earn up to 4.4 Miles on bus and train rides via mobile contactless; spending cap at S$80 per month

Annual Interest Rate and Fees

  • Anual Interest Rate25.90%

  • Principle Annual Fee$257

  • Supplementary Annual Fee128.4

  • Fee Waiver1 year fee waiver, free first 2 supplementary cards

  • Minimum Monthly Repayment3% or S$50, whichever is higher

  • Interest Free Period21 days

Minimum Income Requirements

  • Singaporean$30,000.00

  • Foreigner$40,000.00

Other

  • Card AssociationMasterCard, Visa, American Express

  • Wireless PaymentMasterCard PayPass, Visa payWave, Apple Pay, Samsung Pay, Android Pay, Mighty Pay

Standard Chartered Visa Infinite Credit Card

3.6Good to Excellent

S$1 = 1.4 MilesLocal Spend

S$1 = 3 MilesOverseas Spend

35,000 MilesWelcome Gift

Apply Now

On Standard Chartered's website

Card Features

  • Get 35,000 Miles when you apply for SCB Visa Infinite Credit Card via MoneySmart
  • $1 = 1.4 miles (Local)
  • $1 = 3 miles (Overseas)
  • Up to six complimentary visits each year with the Priority Pass lounge programme
  • Complimentary Travel Accident Insurance coverage of up to S$1,000,000

Annual Interest Rate and Fees

  • Anual Interest Rate26.90%

  • Principle Annual Fee$589

  • Fee WaiverNot Available

  • Minimum Monthly Repayment1% or S$50, whichever is higher

  • Interest Free Period22 days

Minimum Income Requirements

  • Singaporean$150,000.00

  • Foreigner$150,000.00

Other

  • Card AssociationVisa

  • Wireless PaymentVisa payWave

Standard Chartered X Credit Card

3.6Good to Excellent

S$1 = 1.2 Mileson Local Spend

S$1 = 2 Mileson Overseas Spend

60,000 MilesPromotional Gift

  • Get 30,000 air miles upon payment of annual fees
  • Additional 100,000 air miles with Priority Banking sign-up*
Apply Now

On Standard Chartered's website

Card Features

  • S$1 = 1.2 miles (or 1.2% cashback) for local spending
  • S$1 = 2 miles (or 2% cashback) for overseas spending
  • Get instant Digital Card + Approval when you apply via MyInfo
  • 2 Complementary Access to Priority Pass Lounges around the world
  • Complimentary travel insurance coverage of up to S$1,000,000 when you charge your full fare to your card before you go abroad

Annual Interest Rate and Fees

  • Anual Interest Rate26.90%

  • Principle Annual Fee$696

  • Supplementary Annual Fee$107

  • Fee WaiverNot Available

  • Minimum Monthly Repayment1% or S$50, whichever is higher

  • Interest Free Period22 days

Minimum Income Requirements

  • Singaporean$80,000.00

  • Foreigner$80,000.00

Other

  • Card AssociationVisa

  • Wireless PaymentVisa payWave, Apple Pay, Samsung Pay, Google Pay

OCBC 365 Credit Card

3.7Good to Excellent

6%Cashback on Everyday Dining (Including Local, Overseas and Online Food Delivery)

S$80Cashback Cap per month

S$800Min. Spend per month

  • 5% cashback on fuel spend
  • 3% cashback on local and overseas private hire rides
Apply Now

On OCBC's website

Card Features

  • 6% cashback on everyday dining (including local, overseas and online food delivery)
  • 3% cashback on grocery, land transport, online travel, recurring telco and electricity bills
  • 0.3% cashback on everything else
  • Up to S$200,000 of complimentary travel personal accident insurance
  • 2 years fee waiver for principal card (S$192.60), subsequent years waived with min. spend of S$10,000 p.a.

Annual Interest Rate and Fees

  • Anual Interest Rate26.88%

  • Principle Annual Fee$193

  • Supplementary Annual FeeS$96.30

  • Fee WaiverAvailable

  • Minimum Monthly Repayment3% or S$50, whichever is higher

  • Interest Free Period23 days

Minimum Income Requirements

  • Singaporean$30,000.00

  • Foreigner$45,000.00

Other

  • Card AssociationMasterCard

  • Wireless PaymentVisa payWave, Apple Pay, Samsung Pay, Google Pay

OCBC 90°N Card

4.2Good to Excellent

S$1 = 8 Mileson Selected Travel and Hotel Partners

S$1 = 4 Mileson Overseas spend

S$1 = 1.2 Mileson Local spend

Apply Now

On OCBC's website

Card Features

  • 8 miles for every S$1 spent on selected travel partners
  • 4 miles for every S$1 spent on selected airlines, entertainment and shoppings
  • 4 miles for every S$1 spent overseas
  • Every S$1 spent earns you Travel$, where 1 Travel$ = 1 KrisFlyer mile with no conversion fee
  • No cap on the amt of Travel$ you can earn and no minimum spending
  • First year annual fee waivered; earn 10,000 miles when you pay for annual fee from second year onwards
  • 1.2% cashback from your earned Travel$

Annual Interest Rate and Fees

  • Anual Interest Rate26.88%

  • Principle Annual Fee$193

  • Supplementary Annual FeeS$96.30

  • Fee WaiverAvailable

  • Minimum Monthly Repayment3% or S$50, whichever is higher

  • Interest Free Period23 days

Minimum Income Requirements

  • Singaporean$30,000.00

  • Foreigner$45,000.00

Other

  • Card AssociationMastercard

  • Wireless PaymentApple Pay, Samsung Pay, Google Pay

Maybank Horizon Visa Signature

4.5Good to Excellent

S$1 = 8X Pointson Dining, Petrol, Taxi and Hotel Bookings at Agoda

S$1 = 5X Pointson Air Tickets, Travel Packages and Foreign Currency Spend

1 Point = 0.5 milesRewards to Miles Conversion for Selected Airline Partners

  • 3 years annual fee waived
Apply Now

On Maybank's website

Card Features

  • Earn 3.2 air miles (8X TREATS Points) for every S$1 spent on dining, petrol, taxi fares and hotel bookings at Agoda.com/horizon
  • Earn 2 air miles (5X TREATS Points) for every S$1 spent on air tickets, travel packages and foreign currency transactions
  • Complimentary access to selected VIP airport lounges

Annual Interest Rate and Fees

  • Anual Interest Rate25.90%

  • Principle Annual Fee$180

  • Supplementary Annual FeeComplimentary

  • Fee WaiverAvailable

  • Minimum Monthly Repayment3% or S$20, whichever is higher

  • Interest Free Period20 days

Minimum Income Requirements

  • Singaporean$30,000.00

  • Foreigner$60,000.00

Other

  • Card AssociationVisa

  • Wireless PaymentVisa payWave, Samsung Pay

HSBC Visa Infinite Credit Card

3.8Good to Excellent

S$1 = Up to 1.25 MilesLocal Spend

S$1 = Up to 2.25 MilesOverseas Spend

35,000 MilesWelcome Gift

Apply Now

On HSBC's website

Card Features

  • Up to 2.25 air miles per S$1 spent
  • Complimentary access to over 1,100 LoungeKey participating lounges.
  • Access to HSBC’s Infinite Travel & Lifestyle Concierge service for personalised assistance, 24/7
  • Complimentary limousine transfer and expedited immigration clearance
  • Automatic worldwide travel insurance coverage for over 20 benefits of up to US$2,000,000

Annual Interest Rate and Fees

  • Anual Interest Rate25.90%

  • Principle Annual Fee$650

  • Fee WaiverAvailable

  • Minimum Monthly Repayment3% or S$50, whichever is higher

  • Interest Free Period20 days

Minimum Income Requirements

  • Singaporean$120,000.00

  • Foreigner$120,000.00

Other

  • Card AssociationVisa

  • Wireless PaymentVisa payWave, Apple Pay

DBS Altitude Visa Signature Card

3.5Good to Excellent

S$1 = 1.2 MilesLocal Spend

S$1 = 2 MilesOverseas Spend

S$1 = 3 MilesFlight and Hotels

  • 2 free lounge visits annually
Apply Now

On DBS's website

Card Features

  • Enjoy up to 4 miles/S$1 on bus, MRT and taxi rides
  • Complimentary travel insurance coverage of up to S$1 million
  • 10,000 bonus miles upon paying annual membership fee; Miles never expire

Annual Interest Rate and Fees

  • Anual Interest Rate26.80%

  • Principle Annual Fee$193

  • Supplementary Annual FeeS$96.30

  • Fee WaiverAvailable

  • Minimum Monthly Repayment3% or S$50, whichever is higher

  • Interest Free Period20 days

Minimum Income Requirements

  • Singaporean$30,000.00

  • Foreigner$45,000.00

Other

  • Card AssociationVisa, American Express

  • Wireless PaymentVisa Contactless, Apple Pay, Samsung Pay, Google Pay

  • Air Miles Basics

  • Tips and Hints

  • FAQs

  • Ask Away

The Workings of Air Mile Credit Cards

The best means to fly for free is with an air miles credit card. These cards give you the most miles based on how much you spend with them. These ‘miles’ work as points that allow you to utilize a frequent flyer programme, like Singapore Airlines’ Krisflyer programme.

Some cards allow you to get other things too. You can redeem the miles for vouchers or even cash!

A lot of credit cards here in Singapore offer extra perks that improve your travel as well. Some of these benefits are travel insurance, lounge access, special hotel privileges, and loads more. Certain cards give even more benefits overseas.

Finding the Best Air Miles Credit Card

There are a huge number of air miles credit cards. It would take forever to look at them all one-by-one. Miles cards tend not to waive their annual fees either, so you’ll need to account for that too.

Here are some basic things to look out for when choosing the best air miles credit card for your specific needs:

Air Miles Earn Rate
Make sure you’re getting a high dollar-to-mile ratio on your air miles credit card. Banks typically have a low rate for local purchases and a higher rate for overseas purchases. Some also provide benefits with specific partner merchants as well.
Miles Redemption Programmes
Some air mile credit cards put your miles straight through a frequent flyer programme, while others give you points that can be converted later. Converting takes a little longer and may cost more as well.

Best Air Miles Credit Cards in Singapore (2020)

Credit Card NameCard CategoryPerks
American Express® Platinum
Credit Card
Rewards PointsBest reward perksApply Now
Citi Premiermiles cardAir MilesEarn non-expiring bonus
miles
Apply Now
UOB PRVI Miles CardAir MilesHighest miles per dollar
spend ratio
Apply Now
American Express® Singapore
Airlines KrisFlyer Credit Card
Air MilesEarn miles plus travel perksApply Now
DBS Altitude CardAir MilesEarn non-expiring bonus milesApply Now
Visa Infinite Card (Standard Chartered Bank)Air MilesEarn miles plus VIP lounge accessApply Now

Frequent Flyer Programme T&Cs

The terms and conditions, or T&Cs, of your credit card are not to be ignored. It is important to take note of these things and locate any details that your credit card issuer may not want you to know about right away.

Some issues to look for are the expiry of your air miles, air miles cap, and so on.

Who Would Benefit from Air Miles the Most?

There are two main questions to think about here:

• How frequently do you travel?
• Can your credit card expenses earn you enough air miles to gain free flights?

If you travel a lot and love doing it, then an air miles card is obviously a good choice. This is especially true if you tend to travel long distances in one trip.

The other factor is how often you spend with your credit card. If you use it infrequently, there’s a low chance of being able to gain a free flight quickly. On the other hand, if you use it frequently and spend on your trips with the credit card, you should be able to build up points quite fast.

Should I Get an Air Miles Credit Card?

If you love to travel, then you definitely need one! Whether you travel for business or for pleasure, an air miles credit card will provide you with a lot of benefits. Spending with your credit card while overseas will provide you with a lot of bonus air miles, allowing you to get free flights for future trips.

It makes perfect sense that you would use an air miles credit card to earn miles while traveling. If you prefer to make money back from your trips, however, you can get a cashback card instead.

Air Miles Credit Cards VS. Cashback Credit Cards

The choice is a lot easier than you might expect. You simply need to determine if you spend more on travel than you do at home. If you spend more on flights, then an air miles credit card is the choice for you. On the other hand, if you tend to need cash more often, then a cashback card is better for you.

Use a Credit Card that is Specific to Air Miles

Most credit cards provide some means of gaining air miles. However, there’s no point in getting a credit card with multiple reward options if you just want air miles. Choosing a credit card that is specific to your needs is the best course of action.

Sign Up with a Frequent Flyer Programme

Frequent flyer programmes offer promotions that build up with your credit card. You can use this to gain rewards faster and acquire higher cost rewards for fewer air miles.

Use Your Credit Card on Things You Buy Regularly

It is always best to use your credit card on things that you buy regularly, such as groceries. Using your card to buy these things will help you build up your air miles much quicker than a one-off spend.

When you buy the items with your credit card, immediately pay it off to avoid any fees. This way, you get your air miles without costing you any extra money.

Let Your Friends Help You Spend

Say you’re going out for lunch with a few friends. One smart way to gain a few extra air miles would be to pay for all of your lunches together with your credit card. Afterwards, get your friends to give you their share in cash and all is well with the world again.

Utilize a Points Management System

A points management system is highly important, especially if you use multiple air mile credit cards. The system gives you advanced warning when your miles are about to expire. It also helps you keep track of how many miles you have on each card.

How do Air Miles Work?

Frequent flyer miles are known as air miles. They work as a form of loyalty to those who fly often. You gain points every time you fly with that particular airline. When you have enough points, you can use them to get certain incentives, like free flights or ticket upgrades.

Some credit cards will also offer air miles. This means you will earn points based on your credit card usage, rather than by flying. If you don’t fly very often but like to take a trip every year or two, this would be a good incentive for you.

How does an Air Miles Credit Card Work?

An air miles credit card converts a percentage of your spending into air miles points. It works in the same way as any other credit card reward system. Once you build up enough points, you can redeem them for things like free flights, hotels, car rentals, and more!

Some other credit cards will also give you reward points that can then be converted into air miles. This is preferable if you only need air miles occasionally.

What Air Miles Programs are There?

The most commonly used air miles program in Singapore is KrisFlyer Miles. The majority of cards partner with them, so you can earn air miles with all of them.

Two more popular programs are Asia Miles and Japan Airline’s ANA Miles. Another popular option for entry-level credit cards is Citi Premier Miles. They have the best network of air mile partners for credit card holders at that level.

How can I Redeem Air Miles?

Once you have enough points saved up, you can exchange them for air miles. You can redeem them online, over the phone, or with whatever specific method stated by the credit card provider. Airlines have different conversion rates from banks, so make sure to take that into account before choosing your credit card.

Take note that the number of air miles you have does not equal the number of miles that you get to fly for free. One example of this difference is the economy and business classes. An economy flight may cost 15,000 air miles, while a business flight of the same duration would cost 100,000.

You can also use air miles to upgrade your flight class. If you’ve already booked a flight, you can choose to pay the economy price and then use your air miles to upgrade it to business or first class. This will typically cost up to 50,000 air miles.

You can even redeem points for someone else if you want. This can save some air miles. Instead of buying a class upgrade for yourself at 120,000 air miles, you can buy it for your companion at just 75,000.

On top of all this, air miles can also be used to redeem things other than flights. You can use them to acquire certain items that are available, get discounts at select restaurants, and so much more. You can only do this if your air miles reward program works that way.

Is There a Fee for Converting Credit Card Points to Air Miles?

ome credit cards directly convert points to air miles without any fee. Other cards have a conversion fee that you must pay every time you convert them. The average fee is S$25.

How can I Earn a Free Air Ticket Fast?

It tends to take a while to earn enough air miles to earn a free flight. This is especially true if you gain most of your air miles from groceries and other small purchases. Obviously, you’ll earn points faster if you use your credit card on more expensive things.

Using your credit card while traveling will also help get you enough points in as short a time as possible. Overseas rates might be even better than your local ones. You should also take advantage of bonus miles earned from partner merchants.

How can I Choose Between Asia Miles, KrisFlyer Miles, etc.?

Each credit card uses a different program to gain points. There is no best program to use. Each bank uses a different program, so you will need to look into them to determine which works best for you.

Some cards go directly into frequent flyer programmes, such as Singapore Airlines’ KrisFlyer. This reduces a lot of the hassle that comes with converting.

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