Credit Cards

Category-based 4 mpd bonus with a monthly $1,000 cap - check which merchant codes qualify before you commit big spend.

Don't use in the travel category (e.g. flights / hotels), which earn at the 0.4 mpd base rate.

Sign-up bonus: minimum spend of $800 in the first 2 months.

No merchant category guessing games - if the transaction is online, it earns 4 mpd for the first $1,000 per month.

That simplicity is the card's whole appeal, but the monthly cap is half what it was.

Bonus categories run on a whitelist. Fast food, supermarkets, travel agencies, SimplyGo and petrol are all excluded, and MCC 5814 turns up in places you wouldn't expect.

Rates assume a 2.5:1 transfer partner. KrisFlyer converts at 3:1, cutting the effective rate to 3.33 mpd, or 6.66 mpd on the enhanced tier.

Sign-up bonus: $1,000 spend from account opening to the end of the following month.

4 mpd bonus spend is capped at $1,000 a month (across both categories), and requires a $500 minimum spend the same month.

Maximum age 39 at application - a first for the Singapore credit card market.

Monthly cap of $1,110 applies to the bonus categories.

The cap is split into two separate $600 category buckets rather than one pool - plan your spend accordingly.

The cap is split into two separate $1,000-$1,200 category buckets rather than one pool.

Miss the $1,000 minimum per category or exceed $1,200 per category and you drop to the base rate for the whole statement period.

Miles credit directly to KrisFlyer with no conversion fee, but the three-year expiry clock starts immediately and Singapore Airlines is the only partner.

Sign-up bonus: $2,000 spend within three months of approval. Only for applicants who haven't held any Amex consumer card, including a supplementary one, in the past 24 months.

$150 cashback towards a future singaporeair.com booking when you spend $12,000 between 1 July 2026 and 30 June 2027, redeemable against a single purchase of $800 or more.

Unusually for a Singapore Airlines cobrand card, the annual fee isn't waived in the first year - the welcome bonus and Hilton night have to cover it.

The 45,000 miles arrive in stages: 20,000 with the annual fee and $8,000 spend in the first six months, another 20,000 on your first spend in month 15, and 5,000 on first charge for first-time SIA cobrand applicants.

Annual free night at selected Hilton properties across Asia Pacific, plus Hilton Silver status and a fast track to KrisFlyer Elite Gold on $15,000 of Singapore Airlines or Scoot spend in year one.

Renewal rewards come as Miles Redemption Vouchers rather than miles - 10,000 for paying the annual fee from year two, 18,000 for $10,000 of foreign currency spend. They rebate a redemption booking rather than topping up your balance, and only one applies per booking.

Points expire in as little as 12 months, with a 50,000 point (10,000 mile) minimum transfer.

Miles transfers are by PDF form and take 14-21 working days, at S$30.56 per transfer.

KrisFlyer is the only transfer partner since Asia Miles was dropped in July 2025.

Citi Miles never expire and transfer 1:1 to 11 partners - 10 airline programmes plus IHG. Each transfer costs $27.25, and miles move in 10,000-mile blocks.

Sign-up bonus: pay the $196.20 annual fee and spend $800 in the first two months. Choose the first-year-free option instead and the bonus drops to 8,000 miles.

A further 10,000 miles arrive each year on payment of the annual fee - the equivalent of buying miles at 1.96 cents each.

DBS Points earned on Altitude never expire, which takes the pressure off redeeming, but only two decent transfer partners limit your options.

DBS Altitude Visa cardholders benefit from 2 free lounge visits per year.

Exclusive to HSBC Premier customers, the best sign-up bonus and first year fee waiver is available to a Premier Qualified subset.

If that's you though, this one is hard to beat with solid earn rates, 20 loyalty partners, unlimited lounge access and complimentary airport limo rides.

A decent general spend card in year one, with a good sign-up bonus and complimentary lounge visits.

With only 12,000 renewal miles though, and a poor transfer ratio to KrisFlyer, the long-term proposition is harder to justify.

Sign-up bonus needs $1,000 of spend in the first full calendar month, and payment of the $196.20 annual fee.

Conversions are free and instant, with a first block of 10,000 miles and 2-mile blocks after that. Points expire 37 months after they're earned and are cancelled outright if you close the card, so transfer out before cancelling.

The 2.4 mpd rate only unlocks with $1,000 of SIA Group spend in your card membership year, and those bonus miles credit two months after that year ends - between 2 and 14 months after you actually spend.

No conversion step means no conversion fee, but with miles credited directly to your KrisFlyer account the three-year expiry clock starts ticking immediately. KrisFlyer is the only partner.

Miles are awarded per whole S$5 spent, so a S$9.99 transaction earns as S$5.

A further 10,000 miles arrive on renewal when you pay the annual fee. UOB states this card isn't eligible for a fee waiver.

The 2.8 mpd bonus rate requires $800 minimum spend in the same month.

Uncapped 2.8 mpd on FCY education spend is great for those with overseas tuition fees to pay.

Three fee-free years is unusually generous.

90°N Miles never expire, and pool across the Visa and Mastercard versions - but not with OCBC$ or Voyage Miles.

Nine transfer partners, though only KrisFlyer, Flying Blue, Marriott and IHG convert 1:1. Asia Miles takes a 25% haircut, British Airways and Etihad 10%.

OCBC rounds every transaction down to the nearest S$5 before awarding miles, anything under S$5 earns nothing at all.

The annual fee is waived in year one and automatically waived afterwards with S$10,000 of annual spend. Pay it and you receive 10,000 miles (1.96 cents a mile).

Not the best rate for bonus categories, but potentially useful for those who already max out monthly caps on other 4 mpd cards.

Sign-up bonus requires $800 spend in the first 60 days.

360° Rewards Points never expire, and convert at a better ratio than most other SC cards.

Uncapped earning with no monthly caps, but UOB awards UNI$ per whole $5 spent and then rounds down again - a $9.99 transaction can earn as little as 0.6 mpd.

UNI$ expire two years from the end of the quarter in which they're earned, pool across all your UOB cards, and cost $27 per transfer to one of only three partners.

UOB treats spend as overseas only if the payment gateway is also overseas, so an online merchant billing in USD but processing in Singapore earns the local rate.

At renewal UOB's default is to deduct UNI$ automatically to cover the annual fee unless you request a waiver.

The 45,000 miles sign-up bonus needs $14,000 of spend in the first two full calendar months, so it's not the easy win the headline figure suggests.

Fourth night free, airport limo rides and complimentary golf round out the card, plus 32,000 renewal miles each year when you pay the fee.

Lounge visits are shared with guests, so a couple travelling together gets six visits.

A solid local earn rate of 1.5 mpd for general spend, including CardUp and ipaymy transactions.

However, it’s really only worth picking up when one of the bank’s generous sign-up bonuses is on offer.

HSBC has temporarily closed this card to new applicants.

Voyage Miles never expire and redeem against any seat on any airline, not just award inventory. Since August 2023 they're worth about 1.72 cents each on Business and First fares, but only 0.92 cents in Economy.

The annual fee is waived with S$60,000 of annual spend, or S$30,000 on the Premier version. Pay it and 15,000 Voyage Miles are credited - around 3.32 cents a mile.

Unlimited DragonPass lounge access is for the principal cardholder only; supplementary cards get two visits a year, and the pass excludes airport restaurants. Limo rides need S$12,000 of spend per quarter and, since November 2025, run only to and from Changi and Seletar.

Premier, PPC and BOS versions earn 1.6 mpd local and 2.3 mpd overseas. OCBC rounds every transaction down to the nearest S$5 before awarding miles, so anything under S$5 earns nothing.

A premium card aimed at high earners, with its main appeal being uncapped miles earning on foreign currency spend.

Reaching the headline rates requires a minimum spend each statement cycle, and the annual fee is not waivable.

The income requirement is relaxed for Priority Banking and Priority Private customers.