Top 10 Credit Cards in Singapore for Earning Miles

This post was originally posted on Planner Bee.

Looking for the best air miles credit cards in Singapore for your next trip? Choosing the right miles credit card can be overwhelming with so many options.

This updated guide breaks down the top 10 miles-earning credit cards in Singapore, comparing their features, rewards, and benefits.

So you can maximise your travel rewards and enjoy more free flights, upgrades, and perks!

What are miles and why they matter

Miles are a loyalty currency redeemable for travel benefits such as free flights, hotel stays, business-class upgrades, and airport lounge access.

Maximising your miles-earning potential can turn everyday spending, like groceries, dining, and online shopping, into rewarding travel experiences.

Why care? Those miles can translate into real-world savings and luxury travel. Imagine redeeming your daily spend for a free long-haul flight worth hundreds of dollars, or upgrading to business class without any additional cost.

Learning to earn and redeem airline miles in Singapore means getting more out of every dollar you spend.

Pro tip: Track your miles balance and expiry dates. Miles can lose value over time, so plan redemptions in advance to maximise value.

Disclaimer: The idea of a “best” miles credit card is subjective. The right card depends on your spending habits, preferred airlines, and travel frequency. A frequent flyer might benefit from a different card than an online shopper or casual diner. While we highlight the top contenders, select one that aligns with your spending profile.

1. Amaze and Citi Rewards Card Combo

The preferred combo for serious miles chasers was the Amaze Card and Citi Rewards Card. It allowed users to earn 10X points (4 miles per S$1) on almost all transactions by converting offline purchases into online spend, a hack for maximising rewards.

A recent 2025 nerf reduced its appeal. Amaze now imposes a 1% fee (minimum S$0.50) on all SGD-linked transactions from the first dollar.

This means small local purchases are no longer cost-effective. For a S$10 spend, the minimum fee of S$0.50 applies (even though 1% would be S$0.10), while the 40 miles earned are worth only about S$0.44 to S$0.60, roughly equal to or less than the fee.

Despite this, Amaze excels in foreign currency transactions, thanks to its low FX spread and continued 10X eligibility via Citi Rewards. It’s a strong choice for overseas spending where the rewards offset the fees.

Best for foreign currency and international spending.

2. UOB PRVI Miles Card

The UOB PRVI Miles Card is ideal for frequent travellers who prefer straightforward miles earning without category tracking.

Choose from Visa, Mastercard, or American Express versions, all offering:

• 1.4 miles per S$1 on local spend
• Cardmembers earn 2.4 miles per S$1 spent overseas. Selected regional transactions qualify for an enhanced rate of 3 miles per S$1, and occasional promotions may further increase the earn rate.
• 8 miles per S$1 on selected hotel and airline bookings

Additional perks include 4 complimentary Priority Pass lounge visits per principal cardholder each calendar year, along with complimentary travel insurance offering up to S$500,000 in public conveyance accidental death coverage. Other sub-limits and registration requirements apply.

Best for general spending and frequent travellers.

3. HSBC Revolution Card

The HSBC Revolution Card, a favourite among online spenders, offers 10X reward points (4 mpd) on eligible online and contactless payments, including travel bookings and online shopping.

From 1 July 2025 to 28 February 2026, the monthly bonus cap increases to S$1,500, giving more flexibility for high spenders.

The best part? No annual fee and no minimum spend requirement.

Best for everyday online purchases and contactless payments at eligible merchants.

4. Maybank Horizon Visa Signature Card

The Maybank Horizon Visa Signature card is excellent for those who spend frequently on local purchases or on travel-related expenses.

You will earn:

• 2.8 miles per S$1 spent on foreign currency and air tickets, provided you meet a minimum monthly spend of S$800 and redeem your points via the Maybank TREATS SG app
• Complimentary travel insurance (up to S$1,000,000) when you charge your air tickets to the card
• Airport lounge access, subject to meeting the required minimum spend and lounge program terms

It offers a three-year annual fee waiver, with the fee waived subsequently if you spend at least S$18,000 annually, making it more cost-effective than cards that only waive the first year’s fee.

Best for travel and foreign currency spending, as well as those who can meet the monthly spend threshold to maximise rewards.

5. Citi PremierMiles Card

The Citi PremierMiles Card offers never-expiring miles and flexible redemption options across multiple airline and hotel partners.

Earn rates:

• 1.2 miles per S$1 on local spend
• 2.2 miles per S$1 on overseas spend
• Up to 10 miles per S$1 on hotel bookings made via Kaligo or other selected travel partners (terms apply)

Cardholders receive 2 complimentary Priority Pass lounge visits per year, typically enjoy a first-year annual fee waiver, and earn a 10,000-mile renewal bonus upon paying the annual fee in subsequent years.

Best for general spending and travel bookings, especially hotel reservations made through partner portals.

Read more: How To Earn and Redeem Airlines Miles: A Guide for Beginners

6. UOB Lady’s Card

The UOB Lady’s Card lets you customise rewards by selecting one of seven preferred spending categories each quarter such as dining, fashion, beauty & wellness, entertainment, family, transport, or travel.

Earn up to 10 miles per S$1 on eligible purchases when you pair your card with a UOB Lady’s Savings Account and meet the required savings balance tier.

The card alone earns up to 4 miles per S$1 (10X UNI$ per S$5) in your chosen category, with higher rewards unlocked through the savings account bonus.

Best for anyone who wants to maximise rewards on lifestyle spending and enjoy flexibility in choosing their preferred categories.

7. UOB Preferred Platinum Visa Card

The UOB Preferred Platinum Visa is ideal for users of mobile wallets like Apple Pay or Google Pay.

Earn 4 miles per S$1 on eligible mobile contactless and online transactions, with a combined bonus cap of S$1,080 per month (S$540 per category). That’s up to 4,320 miles per month if you fully utilise both categories.

It now also supports SimplyGo, making it a great option for earning rewards on daily commutes and transport payments.

Best for everyday mobile contactless, online transactions, and transport payments.

8. Chocolate Visa Card

The Chocolate Visa Card is a new player in the Singapore miles scene. It offers a mix of miles and savings benefits.

Earn 1 Max Mile per S$1 on the first S$1,000 of spend each month, and 0.4 Max Miles per S$1 thereafter.

Insurance and bill payments are eligible for miles, though these are capped at 100 miles per month unless they fall within your first S$1,000 of spend.

It’s great for overseas transactions, with no annual or foreign exchange fees. Maintaining a higher balance in your Chocolate account can further boost your miles earnings through the Miles Multiplier feature.

Best for insurance payments and overseas spending without fees.

9. OCBC 90°N Card

The OCBC 90°N Card is a flexible option for high spenders who want to earn Travel$ redeemable for cashback or air miles at the same rate.

Earn:

• 1.3 mpd on local spend
• 2.1 mpd on foreign currency spend
• Up to 7 mpd on Agoda bookings

Travel$ never expires, giving you long-term flexibility in redemption. You can redeem Travel$ for either cashback or air miles, although a S$25 conversion fee applies per transfer to airline miles.

Best for overseas spend and flexible redemptions, particularly for large Agoda bookings in foreign currency.

10. DBS Woman’s World Card

The DBS Woman’s World Card offers 4 miles per S$1 on online spending, including travel, fashion, and food delivery, capped at S$1,000 per month.

With e-Commerce Purchase Protection, it’s a secure choice for online shoppers. While it lacks premium travel perks, the consistent 4 mpd earn rate makes it a powerful everyday miles card.

Best for online purchases and frequent e-commerce users.

Summary: 10 best miles credit cards in Singapore (updated)

Which miles card is best for you?

Choosing the right miles-earning credit card in Singapore can save you thousands on flights and travel yearly. The key is to align your card with your spending habits and travel goals:

• Frequent travellers: UOB PRVI Miles or Citi PremierMiles
• Everyday spenders: HSBC Revolution or UOB Preferred Platinum Visa
• Lifestyle enthusiasts: UOB Lady’s Card
• Overseas spenders: Amaze + Citi Rewards or OCBC 90°N
• Online shoppers: DBS Woman’s World Card

With the right strategy, you can earn air miles faster, redeem free flights, and travel more affordably.

Read more: Best Credit Card for Maximising Cashback