Credit Cards

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

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.

CLICK HERE for our full review

$Card MC 2020

Annual fee: $192.60/yr (first year free)
EIR: 26.9%
Sign-up bonus: 10,800 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): $45,000/yr
* Subject to a minimum spend of $3,000 in the first 3 months.
** Applicable in specific spending categories, see see our review.

APPLY HERE

DBS Woman’s World Card

CLICK HERE for our full review

Card

Annual fee: $192.60/yr
EIR: 26.8%
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

HSBC Revo Card Small

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

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.

CLICK HERE for our full review

Card.png

Annual fee: $189.00/yr (first 3 years free)
EIR: 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**
Foreign transaction fee: 2.75%
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

A top miles earning rate of 4 miles per $1 on selected transactions, with an annual upper spending cap idea for big-ticket purchases. It may involve a bit more hassle than your average card, but it’s probably worth the effort.

CLICK HERE for our full review

Card trans

Annual fee: $192.60/yr (first 2 years free)
EIR:
26.9%
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 annual upper cap, $5 rounding applies from 1 June 2020

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

Card3

Annual fee: $192.60/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):
$40,000/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

Card 2

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

Top
Sign-Up

Bonuses

HSBC Visa Infinite

A relatively generous sign-up bonus, with additional perks including unlimited lounge access, complimentary airport limo rides and expedited immigration services. The card is sadly let down by no recurring bonus miles on annual renewal, and a lacklustre miles earning rates for general spending.

CLICK HERE for our full review

HSBCviNEW2

Annual fee: $650.00/yr ($488.00/yr for HSBC Premier)
EIR:
25.9%
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

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

Card

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
Overseas earn promo:
3 miles per $1*
Minimum age:
21
Minimum income:
$80,000/yr**
* Until 30th June 2020
** Priority/Private Banking customers: $30,000/yr (Singaporean/PR) or $60,000/yr (Foreigner)

APPLY HERE

Citi PremierMiles Card

Our go-to card for ‘cheap miles’ promotions, discounts, extra points on hotel stays and the option to credit to 11 frequent flyer schemes, all for a very justifiable annual fee.

CLICK HERE for our full review

CardMC2019

Annual fee: $192.60/yr (first year free)
EIR:
26.9%
Sign-up bonus:
26,500 miles*
Local earn rate:
1.2 miles per $1
Overseas earn rate:
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 $9,000 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 Card

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.

CLICK HERE for our full review

Card2019.png

Annual fee: $535.00/yr
EIR:
26.9%
Sign-up bonus:
25,000 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

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

AMEXKFbluelarge

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

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

AscendCC

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

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

Card 2020

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

Citi PremierMiles Card

Our go-to card for ‘cheap miles’ promotions, discounts, extra points on hotel stays and the option to credit to 11 frequent flyer schemes, all for a very justifiable annual fee.

CLICK HERE for our full review

CardMC2019

Annual fee: $192.60/yr (first year free)
EIR:
26.9%
Sign-up bonus:
26,500 miles*
Local earn rate:
1.2 miles per $1
Overseas earn rate:
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 $9,000 in the first 3 months. An alternative sign-up bonus also applies for existing Citi credit card holders, see our review.

APPLY HERE

DBS Altitude Card

CLICK HERE for our full review

Altitude Card Amex

Annual fee: $192.60/yr (first year free)
EIR: 26.8%
Sign-up bonus: None
Standard earn rate: 1.2 miles per $1
Bonus earn rate: 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

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.

CLICK HERE for our full review

Card.png

Annual fee: $189.00/yr (first 3 years free)
EIR: 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**
Foreign transaction fee: 2.75%
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 90°N Mastercard

Now the launch promos have ended – a fairly basic card compared to the competition, though transfers to KrisFlyer miles are free.

CLICK HERE for our full review

Card 2

Annual fee: $192.60/yr (first year free)
EIR:
26.9%
Sign-up bonus: 
7,000 miles*
Local earn rate:
1.2 miles per $1
Overseas earn rate:
2.1 miles per $1
Foreign transaction fee:
3%
Minimum age:
21
Minimum income (Singaporean):
$30,000/yr
Minimum income (Foreigner):
$45,000/yr
* Minimum $5k spend applies in first 3 months.

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

Card

Annual fee: $695.50/yr
EIR:
26.9%
Sign-up bonus:
45,000 miles*
Local earn rate:
1.2 miles per $1
Overseas earn rate:
2 miles per $1
Minimum age:
21
Minimum income:
$80,000/yr**
* Minimum S$20,000 spend applies in 2020, across five periods
** Priority/Private Banking customers: $30,000/yr (Singaporean/PR) or $60,000/yr (Foreigner)

APPLY HERE

KrisFlyer UOB Mastercard

A fantastic uncapped 3 miles per dollar earn rate on a variety of useful transactions is the big selling point of this card. The big drawback – you’ll have to wait up to 14 months to see the miles, and you won’t be free to leave in the meantime.

CLICK HERE for our full review

Card 2

Annual fee: $192.60/yr
EIR:
26.9%
Sign-up bonus: 
3,000 / 10,000 miles
Regular earn rate:
1.2 miles per $1
Bonus categories earn rate:
3 miles per $1
Minimum age:
21
Minimum income (Singaporean/PR):
$30,000/yr
Minimum income (Foreigner):
$40,000/yr

APPLY HERE

UOB PRVI Miles

CLICK HERE for our full review

Card MC

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): $40,000/yr

APPLY HERE

General
Spend

(100k+ income)

Citi Prestige Card

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.

CLICK HERE for our full review

Card2019.png

Annual fee: $535.00/yr
EIR:
26.9%
Sign-up bonus:
25,000 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

HSBC Visa Infinite

A relatively generous sign-up bonus, with additional perks including unlimited lounge access, complimentary airport limo rides and expedited immigration services. The card is sadly let down by no recurring bonus miles on annual renewal, and a lacklustre miles earning rates for general spending.

CLICK HERE for our full review

HSBCviNEW2

Annual fee: $650.00/yr ($488.00/yr for HSBC Premier)
EIR:
25.9%
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

Fee-free transfers to KrisFlyer miles, 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 150,000 KrisFlyer miles upfront for 2.1 cents each, but overall we think there are better cards out there in this high fee / high income threshold category.

CLICK HERE for our full review

Card 2020 v2

Annual fee: $488.00/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

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

CLICK HERE for our full review

image_standard-chartered-visa-infinite@2x02

Annual fee: $588.50/yr
EIR:
26.9%
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

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