Credit Cards

The MainlyMiles Singapore Credit Card Guide

We’re developing this page into a comprehensive guide to all the available credit cards in Singapore which help you earn Singapore Airlines KrisFlyer miles, through sign-up bonuses, special promotions and ongoing earning rates.

While there are many other ways to top up your KrisFlyer balance, by far the best and most effective way is to have one of these credit cards, and use it as much as possible for your everyday spending.

Remember too that CardUp allows you to boost your points balance further, by allowing you to make payments with your Visa and MasterCard credit cards for many major payments which wouldn’t usually accept credit card, like rent and tuition fees.

Check back soon as the guide will be growing throughout 2018.


Amex Singapore Airlines KrisFlyer

CLICK HERE for our full review

A decent sign-up bonus for a fee-free card in the first year, but a low ongoing earning rate both home and overseas and very few other perks mean this card isn’t worth keeping long-term.

AMEXKFblue

Annual fee: $176.55/yr (first year free)
EIR/APR: 25.9%
Sign-up bonus: 25,000 miles*
Local earn rate: 1.1 miles per $1
Overseas earn rate: 1.1 miles per $1**
Minimum Age: 21
Minimum income (Singaporean/PR): $30,000/yr
Minimum income (Foreigner): $60,000/yr
* – includes online sign-up bonus and requires $5,000 spend in the first three months, a lower bonus of 13,000 miles applies for spending $2,000 in the first three months, see our review
** – 2.0 miles per $1 spend during the months of June and December

APPLY HERE


Amex Singapore Airlines KrisFlyer Ascend

CLICK HERE for our full review

An attractive sign-up bonus justifies 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 after the first year.

AscendCC

Annual fee: $337.05/yr
EIR/APR: 25.9%
Sign-up bonus: 36,000 miles*
Local earn rate: 1.2 miles per $1
Overseas earn rate: 1.2 miles per $1**
Minimum Age: 21
Minimum income (Singaporean/PR): $50,000/yr
Minimum income (Foreigner): $60,000/yr
* – includes online sign-up bonus and requires $10,000 spend in the first three months, a lower bonus of 20,000 miles applies for spending $5,000 in the first three months, see our review
** – 2.0 miles per $1 spend during the months of June and December

APPLY HERE


BOC Elite Miles World Mastercard

CLICK HERE for our full review

Fantastic bonus miles earning rates until the end of 2018, with very competitive ongoing earn rates thereafter. Fee-free for the first year with a competitive income requirement, the card also features 4 complimentary lounge visits per year, the ability to earn miles on bus and MRT journeys and the lowest ‘cost per mile’ for overseas transactions.

Card

Annual fee: $190.00/yr (first year free)
EIR/APR: 28.9%
Sign-up bonus: None
Local earn rate: 1.5 miles per $1
Overseas earn rate: 3.0 miles per $1
Bonus local earn rate: 2.0 miles per $1*
Bonus overseas earn rate: 5.0 miles per $1*
Minimum Age: 21
Minimum income (Singaporean/PR): $30,000/yr
Minimum income (Foreigner): $60,000/yr
* Until 31st December 2018, see our review

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Citi PremierMiles Visa

CLICK HERE for our full review

Our go-to card for ‘cheap miles’ promotions, discounts and extra points on hotel stays and option to credit to 12 frequent flyer schemes, all for a very justifiable annual fee.

citi-premiermiles-new

Annual fee: $192.60/yr
EIR/APR: 28.0%
Sign-up bonus: 21,000 miles*
Local earn rate: 1.2 miles per $1
Overseas earn rate: 2.0 miles per $1
Minimum Age: 21
Minimum income (Singaporean / PR): $30,000/yr
Minimum income (Foreigners): $42,000/yr
* – Subject to a minimum spend of $7,500 in the first 3 months. An alternative sign-up bonus also applies for existing Citi credit card holders, see our review

APPLY HERE


Citi Prestige MasterCard

CLICK HERE for our full review

Above average miles earning rate and excellent traveller perks that could save you thousands of dollars over the year, if you meet the high income requirement.

Final Card Image

Annual fee: $535.00/yr
EIR/APR: 26.0%
Sign-up bonus: 25,000 miles
Local earn rate: 1.32 miles per $1*
Overseas earn rate: 2.02 miles per $1*
Minimum Age: 21
Minimum income: $120,000/yr
* – relationship bonus for 0-5 years included, see our review

APPLY HERE


Citi Rewards

CLICK HERE for our full review

A shopping card with a low income requirement and a good bonus miles rate if you spend in the right categories. Citi also run frequent bonus miles offers throughout the year. The annual fee is relatively low and usually waived on request.

Citi Rewards Card.jpg

Annual fee: $192.60/yr (first year free)
EIR/APR: 26.9%
Sign-up bonus: $120 Cashback*
Standard earn rate: 0.4 miles per $1
Bonus earn rate: 4.0 miles per $1**
Minimum Age: 21
Minimum income (Singaporean): $30,000/yr
Minimum income (Foreigner): $45,000/yr
* For new cardholders, see our review for details.
** Applicable in specific spending categories, see see our review.

APPLY HERE


DBS Altitude

CLICK HERE for our full review

Fee-free renewal option, a competitive income requirement, and 1.2 miles per $1 spent locally. Occasional promotions and a few enhanced earning rates like 3 miles per $1 spent online with Singapore Airlines. This is a no-frills card – ideal for the entry-level miles earner in Singapore

Altitude Card

Annual fee: $192.60/yr
EIR/APR: 25.9%
Sign-up bonus: None
Local earn rate: 1.2 miles per $1
Overseas earn rate: 2.0 miles per $1
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

A reasonable overseas earning rate for a fee-free card in the first 3 years at 2 miles per dollar, however the biggest advantage of the Maybank Horizon Visa Signature card is the high 3.2 miles per dollar rate applicable to dining transactions.

Card.png

Annual fee: $189.00/yr (first 3 years free)
EIR/APR: 25.9%
Sign-up bonus: None
Standard earn rate: 0.4 miles per $1
Bonus earn rate 1: 2.0 miles per $1*
Bonus earn rate 2: 3.2 miles per $1**
Minimum Age: 21
Minimum income (Singaporean): $50,000/yr
Minimum income (Foreigner): $60,000/yr
* On air tickets, travel packages and foreign currency transactions.
** On dining, petrol, selected taxi fares and selected hotel bookings. Monthly overall upper cap on combined bonus miles applies. See our full review.

APPLY HERE


OCBC Titanium Rewards MasterCard

CLICK HERE for our full review

An unbeatable miles earning rate of 4 miles per $1 on selected transactions, with an annual upper spending cap. It may involve a bit more hassle than your average card, but it’s probably worth the effort.

Card

Annual fee: $192.60/yr (first 2 years free)
EIR/APR: 25.92%
Sign-up bonus: None
Local & Overseas earn rate: 0.4 miles per $1
Local & Overseas earn rate (specific categories): 4 miles per $1*
Minimum Age: 21
Minimum income (Singaporean/PR): $30,000/yr
Minimum income (Foreigner): $45,000/yr
* – Plenty of complication, including an upper cap, applies to this earning rate. See our full review.

APPLY HERE


OCBC Voyage Visa Infinite

CLICK HERE for our full review

Fee-free transfers to KrisFlyer miles, 1.6 miles per $1 spent on local dining transactions, unlimited Plaza Premium lounge access and complimentary airport limo transfers with a reasonable monthly spend. The OCBC Voyage Visa Infinite has a lot going for it, you can even buy 500,000 KrisFlyer miles upfront for 2 cents each (ends 31st August 2018), but overall we think there are better cards out there in this high fee / high income threshold category.

Card

Annual fee: $488.00/yr
EIR/APR: 25.92%
Sign-up bonus: 15,000 miles
Local earn rate: 1.2 miles per $1*
Overseas earn rate: 2.3 miles per $1
Minimum Age: 21
Minimum income: $120,000/yr
* – 1.6 miles per $1 spent locally on dining, or all transactions 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

A high income and spending requirement, but a generous sign-up bonus and nearly unbeatable miles earning rate if you do qualify.

image_standard-chartered-visa-infinite@2x02

Annual fee: $588.50/yr
EIR/APR: 25.9%
Sign-up bonus: 35,000 miles
Local earn rate: 1.4 miles per $1*
Overseas earn rate: 3.0 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


UOB PRVI Miles

CLICK HERE for our full review

One of the highest miles earning rates for a moderate annual fee, and a reasonable income requirement, plus the option to ‘buy’ additional miles for 2 cents each.

UOB-PRVI-MC

Annual fee: $256.80/yr
EIR/APR: 25.9%
Sign-up bonus: 10,000 miles*
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): $40,000/yr

* – Minimum spend applies, and even then – it’s not guaranteed. See our review

APPLY HERE