The MainlyMiles Singapore Credit Card Guide
Welcome to our comprehensive guide to nearly all the available credit cards in Singapore which help you earn Singapore Airlines KrisFlyer miles, plus other airline frequent flyer points, through sign-up bonuses, special promotions and ongoing earning rates.
Our detailed reviews will help you untangle the complexities of each card, from earning rates and sign-up bonuses right down to how points are rounded when you spend and whether it’s worth paying a card’s foreign currency fee to shop abroad.
While there are many other ways to top up your KrisFlyer balance, by far the best and most effective way is to have one or more of these credit cards, and use it as much as possible for your everyday spending.
Bonus
Miles
(4 mpd)
Citi Rewards Card
CLICK HERE for our full review
Annual fee: $196.20/yr (first year free)
EIR: 27.9%
Sign-up bonus: 16,000 miles*
Standard earn rate: 0.4 miles per $1
Bonus earn rate: 4.0 miles per $1**
Foreign transaction fee: 3.25%
Minimum age: 21
Minimum income (Singaporean): $30,000/yr
Minimum income (Foreigner): $42,000/yr
* Subject to a minimum spend of $800 in the first 2 months.
** Applicable in specific spending categories, see see our review.
APPLY HERE
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DBS Woman’s World Card
CLICK HERE for our full review
Annual fee: $196.20/yr
EIR: 27.8%
Sign-up bonus: None
Local earn rate: 0.4 miles per $1
Overseas earn rate: 1.2 miles per $1
Online earn rate: 4.0 miles per $1
Foreign transaction fee: 3.25%
Minimum age: 21
Minimum income: $80,000/yr
APPLY HERE |
HSBC Revolution
CLICK HERE for our full review
Annual fee: Free
EIR: 25.9%
Sign-up bonus: None
Standard earn rate: 0.4 miles per $1
Bonus earn rate: 4 miles per $1
Foreign transaction fee: 2.8%
Minimum age: 21
Minimum income (Singaporean): $30,000/yr
Minimum income (Foreigner): $40,000/yr
APPLY HERE |
Maybank Horizon Visa Signature
CLICK HERE for our full review
Annual fee: $196.20/yr (first 3 years free)
EIR: 27.9%
Sign-up bonus: None
Standard earn rate: 0.4 miles per $1
Local Retail earn rate: 1.2 miles per $1
Bonus earn rate: 2.8 miles per $1*
Foreign transaction fee: 3.25%
Minimum age: 21
Minimum income (Singaporean): $30,000/yr
Minimum income (Foreigner): $60,000/yr
* On all FCY spend and air ticket spend up to $10,000 per month, subject to $800 minimum spend in the same month.
APPLY HERE |
Maybank XL Rewards
CLICK HERE for our full review
Annual fee: $87.20/yr (first 2 years free)
EIR: 27.9%
Sign-up bonus: S$10 cashback
Standard earn rate: 0.4 miles per $1
Bonus earn rate: 4 miles per $1*
FCY earn rate: 4 miles per $1*
Foreign transaction fee: 3.25%
Minimum age: 21
Maximum age: 39
Minimum income (Singaporean): $30,000/yr
Minimum income (Foreigner): $60,000/yr
* On specific local MCC spend and all FCY spend up to $1,000 per month, subject to $500 minimum spend in the same month.
APPLY HERE |
OCBC Rewards Card
CLICK HERE for our full review
Annual fee: $196.20/yr (first 2 years free)
EIR: 27.8%
Sign-up bonus: None
Local & overseas earn rate: 0.4 miles per $1
Bonus earn rate: 4 miles per $1*
Foreign transaction fee: 3.25%
Minimum age: 21
Minimum income (Singaporean/PR): $30,000/yr
Minimum income (Foreigner): $45,000/yr
* Specific categories and monthly cap applies
APPLY HERE |
UOB Preferred Platinum Visa (PPV)
Get 4 miles per dollar spent for selected online transactions and all mobile contactless (Visa payWave via Apple Pay, Google Pay etc.) transactions, for the first $1,110 each month.
CLICK HERE for our full review
Annual fee: $194.40/yr (first year free)
EIR: 26.9%
Sign-up bonus: None
Standard earn rate: 0.4 miles per $1
Bonus earn rate: 4 miles per $1*
Minimum age: 21
Minimum income (Singaporean/PR): $30,000/yr
Minimum income (Foreigner): $80,000/yr
* Contactless and selected online purchases, capped at $1,110 spend per month
APPLY HERE |
UOB Visa Signature (VS)
Spend at least $1,000 per month and get 4 miles per dollar spent for up to $2,000 of overseas, petrol and contactless transactions – with some big catches to be careful of!
CLICK HERE for our full review
Annual fee: $214.00/yr (first year free)
EIR: 26.9%
Sign-up bonus: None
Standard earn rate: 0.4 miles per $1
Bonus earn rate: 4 miles per $1*
Foreign transaction fee: 3.25%
Minimum age: 21
Minimum income: $50,000/yr
* Contactless and overseas purchases, min. $1,000 per month capped at $2,000 per month
APPLY HERE
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Top
Sign-Up
Bonuses
HSBC Visa Infinite
CLICK HERE for our full review
Annual fee: $662.15/yr ($497.12/yr for HSBC Premier)
EIR: 27.8%
Sign-up bonus: 35,000 miles
Local earn rate (year 1): 1 mile per $1
Local earn rate (year 2+): 1.25 miles per $1*
Overseas earn rate (year 1): 2 miles per $1
Overseas earn rate (year 2+): 2.25 miles per $1*
Foreign transaction fee: 2.8%
Minimum age: 21
Minimum income: $120,000/yr
* With a minimum spend of S$50,000 in year 1
APPLY HERE |
Citi PremierMiles Card
CLICK HERE for our full review
Annual fee: $196.20/yr (first year free option)
EIR: 27.9%
Sign-up bonus: 30,000 miles*
Local earn rate: 1.2 miles per $1
Overseas earn rate: 2.2 miles per $1**
Foreign transaction fee: 3.25%
Minimum age: 21
Minimum income: $30,000/yr (Singaporean / PR)
Minimum income: $42,000/yr (Foreigner)
* Subject to a minimum spend of $800 in the first 2 months.
APPLY HERE
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Standard Chartered Visa Infinite X
After offering the highest sign-up bonus on the market, it became a lacklustre miles earning rate after that, along with very few additional perks for such a high fee card.
CLICK HERE for our full review
Annual fee: $695.50/yr
EIR: 26.9%
Sign-up bonus: 30,000 miles
Local earn rate: 1.2 miles per $1
Overseas earn rate: 2 miles per $1
Minimum age: 21
Minimum income: $80,000/yr*
* Priority/Private Banking customers: $30,000/yr (Singaporean/PR) or $60,000/yr (Foreigner)
APPLY HERE |
Citi Prestige Card
CLICK HERE for our full review
Annual fee: $651.82/yr
EIR: 27.9%
Sign-up bonus: 57,000 miles
Local earn rate: 1.32 miles per $1*
Overseas earn rate: 2.02 miles per $1*
Foreign transaction fee: 3.25%
Minimum age: 21
Minimum income: $120,000/yr
* Relationship bonus for 0-5 years included.
APPLY HERE
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General
Spend
(30-80k income)
Amex Singapore Airlines KrisFlyer
A decent sign-up bonus for a fee-free card in the first year, but a low ongoing earning rate both home and overseas plus very few other perks mean this card probably isn’t worth keeping long-term.
CLICK HERE for our full review
Annual fee: $176.55/yr (first year free)
EIR: 26.9%
Sign-up bonus: 21,000 miles
Local earn rate: 1.1 miles per $1
Overseas earn rate: 1.1 miles per $1*
Foreign transaction fee: 2.95%
Minimum age: 21
Minimum income: $30,000/yr (Singaporean / PR)
Minimum income: $60,000/yr (Foreigner)
* 2 miles per $1 spend during the months of June and December.
APPLY HERE
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Amex Singapore Airlines KrisFlyer Ascend
A regular sign-up bonus helps offset the high fee in the first year, with a few additional perks thrown in. However no recurring bonus on annual renewal and a relatively low ongoing earning rate both home and overseas make this card one to ditch for most people in year two.
CLICK HERE for our full review
Annual fee: $337.05/yr
EIR: 26.9%
Sign-up bonus: 37,000 miles
Local earn rate: 1.2 miles per $1
Overseas earn rate: 1.2 miles per $1*
Foreign transaction fee: 2.95%
Minimum age: 21
Minimum income: $50,000/yr (Singaporean / PR)
Minimum income: $60,000/yr (Foreigner)
* 2 miles per $1 spend during the months of June and December.
APPLY HERE
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BOC Elite Miles World Mastercard
Lacklustre earn rates for general spend in Singapore and overseas since a significant devaluation of points into frequent flyer miles in June 2020.
CLICK HERE for our full review
Annual fee: $190.00/yr (first year free)
EIR: 28.9%
Sign-up bonus: None
Local earn rate: 1 mile per $1
Overseas earn rate: 2 miles per $1*
Foreign transaction fee: 3%
Minimum age: 21
Minimum income: $30,000/yr (Singaporean / PR)
Minimum income: $60,000/yr (Foreigner)
APPLY IN BRANCH
or complete the
APPLICATION FORM
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Citi PremierMiles Card
CLICK HERE for our full review
Annual fee: $196.20/yr (first year free)
EIR: 27.9%
Sign-up bonus: 30,000 miles*
Local earn rate: 1.2 miles per $1
Overseas earn rate: 2.2 miles per $1**
Foreign transaction fee: 3.25%
Minimum age: 21
Minimum income: $30,000/yr (Singaporean / PR)
Minimum income: $42,000/yr (Foreigner)
* Subject to a minimum spend of $800 in the first 2 months.
APPLY HERE
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DBS Altitude Card
CLICK HERE for our full review
Annual fee: $196.20/yr (first year free)
EIR: 27.8%
Sign-up bonus: None
Standard earn rate: 1.3 miles per $1
Bonus earn rate: 2.2 miles per $1
Foreign transaction fee: 3.25% (Visa) / 3% (Amex)
Minimum age: 21
Minimum income (Singaporean): $30,000/yr
Minimum income (Foreigner): $45,000/yr
APPLY HERE |
Maybank Horizon Visa Signature
CLICK HERE for our full review
Annual fee: $196.20/yr (first 3 years free)
EIR: 27.9%
Sign-up bonus: None
Standard earn rate: 0.4 miles per $1
Local Retail earn rate: 1.2 miles per $1
Bonus earn rate: 2.8 miles per $1*
Foreign transaction fee: 3.25%
Minimum age: 21
Minimum income (Singaporean): $30,000/yr
Minimum income (Foreigner): $60,000/yr
* On all FCY spend and air ticket spend up to $10,000 per month, subject to $800 minimum spend in the same month.
APPLY HERE |
Maybank XL Rewards
CLICK HERE for our full review
Annual fee: $87.20/yr (first 2 years free)
EIR: 27.9%
Sign-up bonus: S$10 cashback
Standard earn rate: 0.4 miles per $1
Bonus earn rate: 4 miles per $1*
FCY earn rate: 4 miles per $1*
Foreign transaction fee: 3.25%
Minimum age: 21
Maximum age: 39
Minimum income (Singaporean): $30,000/yr
Minimum income (Foreigner): $60,000/yr
* On specific local MCC spend and all FCY spend up to $1,000 per month, subject to $500 minimum spend in the same month.
APPLY HERE |
OCBC 90°N Mastercard
CLICK HERE for our full review
Annual fee: $194.40/yr (first year free)
EIR: 26.9%
Sign-up bonus: None
Local earn rate: 1.2 miles per $1
Overseas earn rate: 2.1 miles per $1
Foreign transaction fee: 3.25%
Minimum age: 21
Minimum income (Singaporean): $30,000/yr
Minimum income (Foreigner): $45,000/yr
APPLY HERE |
Standard Chartered Visa Infinite X
After offering the highest sign-up bonus on the market, it became a lacklustre miles earning rate after that, along with very few additional perks for such a high fee card.
CLICK HERE for our full review
Annual fee: $695.50/yr
EIR: 26.9%
Sign-up bonus: 30,000 miles
Local earn rate: 1.2 miles per $1
Overseas earn rate: 2 miles per $1
Minimum age: 21
Minimum income: $80,000/yr*
* Priority/Private Banking customers: $30,000/yr (Singaporean/PR) or $60,000/yr (Foreigner)
APPLY HERE |
KrisFlyer UOB Mastercard
CLICK HERE for our full review
Annual fee: $196.20/yr
EIR: 27.8%
Sign-up bonus: 25,000 miles
Regular earn rate: 1.2 miles per $1
Bonus categories earn rate: 2.4 – 3 miles per $1
Minimum age: 21
Minimum income (Singaporean/PR): $30,000/yr
Minimum income (Foreigner): $80,000/yr
APPLY HERE
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UOB PRVI Miles
CLICK HERE for our full review
Annual fee: $256.80/yr (first year free)
EIR: 26.9%
Sign-up bonus: None
Local earn rate: 1.4 miles per $1
Overseas earn rate: 2.4 miles per $1
Minimum age: 21
Minimum income (Singaporean/PR): $30,000/yr
Minimum income (Foreigner): $80,000/yr
APPLY HERE |
General
Spend
(100k+ income)
Citi Prestige Card
CLICK HERE for our full review
Annual fee: $651.82/yr
EIR: 27.9%
Sign-up bonus: 57,000 miles
Local earn rate: 1.32 miles per $1*
Overseas earn rate: 2.02 miles per $1*
Foreign transaction fee: 3.25%
Minimum age: 21
Minimum income: $120,000/yr
* Relationship bonus for 0-5 years included.
APPLY HERE
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DBS Vantage
CLICK HERE for our full review
Annual fee: $599.50/yr
EIR: 27.8%
Sign-up bonus: 25,000 miles
Local earn rate: 1.5 miles per $1*
Overseas earn rate: 2.2 miles per $1*
Minimum age: 21
Minimum income: $120,000/yr
APPLY HERE
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HSBC Visa Infinite
CLICK HERE for our full review
Annual fee: $662.15/yr ($497.12/yr for HSBC Premier)
EIR: 27.8%
Sign-up bonus: 35,000 miles
Local earn rate (year 1): 1 mile per $1
Local earn rate (year 2+): 1.25 miles per $1*
Overseas earn rate (year 1): 2 miles per $1
Overseas earn rate (year 2+): 2.25 miles per $1*
Foreign transaction fee: 2.8%
Minimum age: 21
Minimum income: $120,000/yr
* With a minimum spend of S$50,000 in year 1
APPLY HERE |
OCBC Voyage Visa Infinite
CLICK HERE for our full review
Annual fee: $492.50/yr
EIR: 26.9%
Sign-up bonus: 15,000 miles
Local earn rate: 1.3 miles per $1*
Overseas earn rate: 2.2 miles per $1
Minimum age: 21
Minimum income: $120,000/yr
* 1.6 miles per $1 spent locally if you’re also an OCBC Premier, OCBC Premier Private Client or Bank of Singapore Voyage cardmember. See our full review.
APPLY HERE |
Standard Chartered Visa Infinite
CLICK HERE for our full review
Annual fee: $599.50/yr
EIR: 27.9%
Sign-up bonus: 35,000 miles
Local earn rate: 1.4 miles per $1*
Overseas earn rate: 3 miles per $1*
Minimum age: 21
Minimum income: $150,000/yr**
* Minimum spending conditions apply, see our review
** Unless you are a Priority/Private Banking customer
APPLY HERE
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