Credit Card Sign-Up Bonuses

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 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.

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.

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.

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.

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.

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.

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

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.

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.

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.

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.

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.

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.