Imagine this – you go into a store, you’re looking for the perfect birthday outfit, you know exactly what you want but there are so many options and picks to choose from. You want them all. What do you do? One, you can buy them all, go broke and fill yourself up with regret and disappointment with your lack of willpower or you can make a pro and con list, see what each outfit can offer you and how much value for money you can get and finally make an informed decision.
You know what option you must ideally choose right? Choosing the credit card that is best for you works in the exact same way. Credit cards can be very rewarding as they offer a ton of beneficial features. Credit cards for dining, travel, shopping etc. are examples of such customized credit cards and they offer exclusive deals, privileges and other benefits to the cardholders. If you are someone who travels on a frequent basis, you can opt for a travel credit card that will let you earn air miles. Most of the top credit card issuers in Singapore offer specialized cards that will let you earn air miles and also enjoy other travel benefits.
The air miles can be redeemed for air tickets, discounts on ticket and hotel bookings, other travel benefits and also for dining, shopping, e-commerce and entertainment vouchers. These vouchers will provide you with access to lucrative discounts and will help you save money in the process. At BankBazaar.sg, you can read about the air miles credit cards available in the country, compare their features and benefits, and then choose a card that will be best suited to meet your needs. Once you have made a decision about the card you want to opt for, you can apply for it online.
Now, how do you go about making a decision of choosing the perfect travel credit card for you? The first step is to get the lay of the land, i.e. find out what banks offer travel credit cards and if your preferred bank is one on them.
With the Altitude Visa Signature Card and the DBS Altitude American Express Card from DBS you can earn 1.2 air miles every time you spend S$1 in Singapore and 2 air miles every time you spend S$1 overseas. There is no expiry date for the air miles and you can redeem them at your convenience. A bonus of 10,000 air miles will be credited to your account after you pay the annual fees for the cards. You can earn higher air miles for hotel bookings and will be offered with complimentary Airport Lounge access and Travel Accident Insurance. You can redeem the air miles that your earn for dining, travel & leisure, health & wellness and other related spends.
These credit cards from American Express have been designed especially for Singaporeans who travel regularly by Singapore Airlines as it will allow them to earn air miles at an exponential rate. With these cards, the cardholders will earn minimum 1 air mile (known as KrisFlyer Mile) every time they spend S$1 with the card. You will get a welcome bonus of minimum 5,000 KrisFlyer Miles when you make your first purchase with these cards. You will also earn additional miles when you spend a substantial amount of money on the cards within a given time frame. The KrisFyler Miles can be redeemed for a variety of benefits, such as flight tickets across various airlines including Singapore Airlines.
The three air miles credit cards offered by UOB, namely the UOB PRVI Miles VISA Card, UOB PRVI Miles World MasterCard Card and the UOB PRVI Miles American Express Card, are among the best credit cards in Singapore for miles. With these cards, you can earn up to 3 air miles, every time you spend S$1 for flight tickets from SilkAir, KrisShop and Singapore Airlines. You can earn 2.4 miles every time you spend S$1 in foreign countries and 1.4 miles every time you spend S$1 in Singapore. You should be aged 21 and above to apply for these credit cards. You should also have an annual income of minimum S$80,000, or you can provide as collateral a fixed deposit of minimum S$50,000.
Citi PremierMiles Visa Card and Citi PremierMiles American Express Card are the two air miles cards offered by Citibank in Singapore. The miles accumulated on these cards can be used to book tickets with over 70 airlines across the planet. You will also get access to exclusive deals and offers from more than 8,500 hotels around the globe. When you renew your card, you will offered with 15,000 air miles as a bonus. The best part is that, the miles accumulated on these cards will never expire and you can redeem them at your convenience. You will earn 1.3 air miles every time you spend S$1 in Singapore and 2 air miles every time you spend S$1 overseas. Moreover, you will earn 2 air miles every time you spend S$1 with SilkAir and Singapore Airlines.
Phew! You are done with the hard part of your mission. The next part is the most enjoyable one, i.e. going shopping. Here are Bankbazaar we have done just that. We went shopping across different credit card issuers and picked some of the most promising travel credit cards for this year. Yes, our mission is to make your mission easier to achieve. Here are the options we have put in our wish list -
UOB PRIVI Miles American Express Card
Find below your miles earning potential with the UOB PRIVI Miles American Express Card -
|Monthly Expense||Miles Earn Rate||Miles earned each month|
|SGD 1,300 (local spend)||SGD 1 = 1.4 miles||1,820 miles|
|SGD 300 (overseas spend)||SGD 1 = 2.4 miles||720 miles|
|SGD 100 (, SilkAir, Singapore Airlines or KrisShop)||SGD 1 = 3 miles||300 miles|
|Total miles earned in a month||2,840 miles|
|Total miles earned in a year can for a round trip ticket to Hong Kong, Bali or Taiwan||34, 080 miles|
Other Travel Perks
You will get a rebate of SGD 45 for every one way limousine service to the Changi International Airport when you spend a minimum of SGD 1000 overseas using your UOB PRIVI Miles American Express Card every qualifying quarter.
UOB provides its UOB PRIVI Miles American Express Cardmembers Travel Inconvenience Insurance and Personal Accident insurance coverage of up to SGD 1, 000, 000.
;This is a dedicated UOB hotline to provide comprehensive travel assistance to its cardmembers that includes help with flight tickets, hotel accommodations, car rental booking, insurance and any other assistance required by members.
The cardmembers will enjoy additional privileges and perks from American Express Selects such as travel, leisure, dining and shopping privileges to name a few.
American Express Singapore Airlines KrisFlyer Gold Credit Card
How many air miles can you earn?
Find below your miles earning potential with the American Express Singapore Airlines KrisFlyer Gold Credit Card –
Please note that the following tables are illustrative purposes only.
Table 1: When you spend SGD 5000 between January 1 and December 31 in a calendar year
|Product / Item / Offer||KrisFlyer Miles Received|
|Your Welcome Offer Bonus Earned||5000|
|Base KrisFlyer Miles Earned when you spend SGD 5000||3125|
|Bonus KrisFlyer Miles Earned when you spend SGD 5000 within the first 6 months||5000|
|50% additional KrisFlyer Miles Earned||1567|
|Total KrisFlyer Miles Earned||14, 692|
With these miles earned, you can afford a return ticket to Bali (Economy Class) at singaporeair.com
Table 2: When you spend another SGD 7000 between January 1 and December 31 in a calendar year
|Product / Item / Offer||KrisFlyer Miles Received|
|Base KrisFlyer Miles Earned when you spend SGD 7000||4375|
|Bonus KrisFlyer Miles Earned when you spend SGD 5000 within the first 6 months||1250|
|50% additional KrisFlyer Miles Earned||2185|
|Another 50% bonus KrisFlyer Miles Earned||3755|
|Total KrisFlyer Miles Earned||26, 257|
With these miles earned, you can afford a return ticket to Hong Kong (Economy Class) at singaporeair.com
Other Travel Perks
Enjoy travel accident insurance of up to SGD 350, 000 when you purchase your flight tickets your American Express Singapore Airlines KrisFlyer Gold Credit Card.
You can get your card replaced within one business day anywhere in the world.
Enjoy up to 51 days of interest free purchases on your AMEX credit card.
Enjoy complete fraud protection against unauthorized charges anywhere in the world when you make purchases using your credit card, both, offline and online.
Citi PremierMiles Visa Card
Promotion / Miles Earning Potential
Other Travel Perks
Earn additional discounts and exclusive privileges at world class hotels across the globe that include late checkouts, automatic room upgrades, complimentary breakfast and many more at the following –
You can contact Citibank for immediate assistance round the clock for any enquiries on your Citi PremierMiles Visa Card. This include replacement on your lost card.
These privileges include savings on shopping and car rentals and special rates on Asia’s finest golf courses.
You can request for a temporary increase on your credit limit whenever you need to on your Citi PremierMiles Visa Card.
You can get instant cash advance of up to 100% of your credit limit from more than 500, 000 Visa Plus ATMs across the globe.
Participating Frequent Flyer and Hotel Loyalty Programs
1 Citi Mile is equivalent to 1 mile at the following participating merchants –
Hotel Loyalty Program –
ANZ Travel Visa Signature Credit Card
Miles Earning Potential
Other Travel Perks
You will enjoy unlimited complimentary access to more than 100 Veloce VIP airport lounges across the globe for both, principal and supplementary ANZ Travel Visa Signature Credit Card. However, for lounges in Toronto, you will need to print out a coupon access form, fill it and submit it for entry. Accompanying guests who are not ANZ Travel Visa Signature Credit Cardmembers will have to pay a fee and their entry is subject to the discretion of the lounge.
Enjoy a complimentary one way airport limousine transfer from or to Changi International Airport. All you need to do is charge your ANZ Travel Visa Signature Credit Card with SGD 2500 within 30 days and contact the bank to obtain your booking voucher.
Enjoy complimentary Travel Accident and Inconvenience Insurance of up to SGD 1 million for yourself and up to SGD 100, 000 for your spouse and child when you pay for your flight tickets using your ANZ Travel Visa Signature Credit Card.
This ANZ privilege program is ideal for local or overseas travel across Asia Pacific whether you are looking to explore dining options, planning your dream vacation or just looking to relax, you can find a privilege that suits your needs with ANZ Spot.
After you have figured out, what you are going to check out from your shopping cart, you must first check if you are eligible for the purchase -
In most cases, you will need to aged 21 and above to apply for a credit card that offers air miles. You will also need to have a minimum annual income of S$30,000. Some banks will allow you to pledge your fixed deposit account as a collateral if you do not meet the minimum income criteria. However, the balance of your fixed deposit account should be minimum S$50,000.
In order to apply for an air miles credit card in Singapore, you will mostly likely need to submit the following documents:
If you are eligible for the purchase of the credit card best suited for you, apply for the card by submitting the above mentioned documents and voila! you are ready to enjoy the benefits and comforts of your new travel buddy.