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    Best Air Miles Credit Cards

    All the travellers among us want the best deals when it comes to flying. For this reason, the specially designed category of air miles credit cards exists. For those who fly frequently, these cards may offer some kind of benefits or rewards apart from the miles you get to accumulate which can be used for further travels.

    Travel cards usually reward you with air miles every time you purchase something using the card. There are however, restrictions on the kind of purchase and the place of purchase, as determined by the bank. There are many credit cards in Singapore that focus on providing miles to its customers.

    Some of them are listed below:

    Compare Air miles credit cards available in Singapore:

    Name of the card Annual fee for principal card Air miles Minimum annual Income criteria

    American Express Singapore Airlines KrisFlyer Card

    S$176.55 (1-year fee waiver)

      • Earn 1.1 KrisFlyer miles per S$1 spent on all eligible transactions.

      • Earn 2 KrisFlyer miles per S$1 spent in foreign currencies during June and December.

      • Earn 3.1 KrisFlyer miles per S$1 spent on Uber and Grab rides (up to S$200 per calendar month)

      • Singaporeans and PRs: S$30,000

      • Foreigners: S$60,000

    American Express KrisFlyer Ascend Credit Card

    S$337.05

      • Earn 1.2 KrisFlyer miles per S$1 spent on all eligible transactions.

      • Earn 2 KrisFlyer miles per S$1 spent in foreign currencies during June and December.

      • Earn 3.2 KrisFlyer miles per S$1 spent on Uber and Grab rides (up to S$200 per calendar month)

      • Singaporeans and PRs: S$50,000

      • Foreigners: S$60,000

    Citi PremierMiles Visa Card

    S$192.60

      • For every S$1 you spend in Singapore, you get 1.2 Citi Miles.

      • For every S$1 you spend using foreign currency, you gain 2 Citi Miles.

      • 10,000 bonus Citi Miles on card membership renewal

    S$50,000

    Standard Chartered Visa Infinite Card

    S$588.50

      • Earn 3 miles per S$1 spent overseas.

      • Earn 1.4 miles per S$1 spent locally.

      • Minimum monthly spend of S$2,000 is required, otherwise earn 1 mile per S$1 spent on all purchases.

    Private Banking/Priority Customers:

      • Singaporeans and PRs: S$30,000

      • Foreigners: S$60,000

    Other customers: S$150,000

    UOB PRVI Miles American Express Card

    S$256.80 (1-year waiver)

      • For every S$1 you spend on select airlines and hotels, you get 6 miles.

      • For every S$1 you spend overseas, you gain 2.4 miles.

      • For every S$1 you spend in Singapore, you get 1.4 miles.

      • Additionally, you could accumulate 20,000 bonus miles every year.

    S$50,000

    Best air miles credit cards in Singapore with no annual fees

    Everyone would like to enjoy the perks and benefits that credit cards offer. If you are a frequent flyer and searching for a suitable card that does not have any annual fees, you may consider opting for the air miles cards listed below.

    DBS Altitude Visa Card

    You can earn up to 3 miles for every S$1 that is spent using your DBS Altitude Visa Card. For every S$1 spent overseas in foreign currency, you can earn up to 2 miles. If you are booking your trip through Expedia and Kaligo, you can earn up to 10 miles for every S$1 that is spent (for a limited period only). DBS Altitude Visa Card has an annual fee waiver for the first year.

    However, if you would like the annual fee waived for the following year, you will need to charge your card for S$25,000 in the current year. If you prefer to pay the annual fees of S$192.60 for the second year, you are entitled to receive 10,000 bonus miles. Miles are awarded to you in the form of DBS points and they do not have an expiry date.

    Maybank World MasterCard

    With this card, you can earn up to 10X TREATS points or 4 air miles for every S$1 that is spent at petrol stations, boutiques, and dining establishments in Singapore.

    The first year annual fee of S$240 (on the principal card) is waived and the supplementary card is provided for free. The TREATS points accumulated on the Maybank World MasterCard do not have any expiry date.

    How to Accumulate Maximum Air Miles on Your Credit Cards

    The general rule to accumulate air miles is to spend more. However, if this spending is done wisely, you could end up earning a lot for less. Apart from that, here are some of the other ways to earn more air miles:

    • Read the fine print of your card. Understanding the terms of the card will surely enable you to utilise it to your maximum benefit. Find out what is included in the eligible purchases. Ensure you purchase more from those outlets or partner stores. This will automatically add to your air miles.
    • You can utilise the welcome offer where you are promised a certain number of miles while signing up for the card. However, read the terms carefully. Usually, there is a minimum spend required in the initial months which will enable you to use those air miles.
    • You could also use the supplementary card to make eligible purchases to earn more points. However, make sure you keep an eye on the expenses as well.

    How to Redeem Air Miles

    Cards that offer air miles are usually parterened with select airlines under “Frequent Flyer Programmes”, wherein you can convert the miles earned on your card to the miles of the parterned airline. Such conversions usually attract a conversion fee of approximately S$25 per conversion.

    However, with AMEX KrisFlyer Credit Cards, your KrisFlyer miles will be directly credited to a KrisFlyer Account which can be used to redeem your miles for flight tickets directly on Singapore Airlines and SilkAir without the need for a conversion. The redemption is free of charge.

    How to Find Best Air Miles Credit Cards

    If you are considering getting an air miles card, there are a few things you should look into before applying for one.

    Count the cost

    Sit down and do the math. How much do you have to pay annually and how much are you earning from the card will tell you if the card is worth it or not.

    The other charges

    Apart from the annual fee, there could be other charges like fee for conversion of rewards into miles and foreign exchange fee, cash advance fee, etc. You must consider how often you will be using them.

    Look into its partners

    Read through to know the brands or retail stores or airlines it is partnered with. Consider if you will use them and how they will help you. If a card offers deals or rewards with brands you will never use, you can easily skip it.

    Additional benefits

    Air miles credit cards may offer extra benefits like lounge access at airports, concierge services, free travel insurance, etc. Compare the additional perks and choose one that best fits your needs.

    Miles validity

    Check if your miles have an expiry date. Choosing a card where miles never expire will be more beneficial if you want to accumulate miles for a significant period before redeeming for a big-ticket destination. However, if you travel multiple times a year, the miles validity may not affect you.

    With so many options to choose from, finding a card that suits your requirements will not be hard if you do your research well.

    Eligibility criteria

    Please note that every credit card will have its own eligibility criteria. Some of the common eligibility criteria are as follows:

    • You will need to be at least 21 years old.
    • For supplementary cards, you will need to be at least 18 years of age.
    • You will need to meet the annual income criteria for the card you are applying for.
    • Please note that the eligibility criteria may differ if you are a foreign national.

    Documents required

    If you are salaried, you will need to submit your income tax notice of assessment, payslips, CPF statement, etc. You will also need to submit a photocopy of NRIC (front and back).

    • If you are self-employed or have a variable income, you will need to submit your CPF statement or income tax notice of assessment along with a photocopy of your NRIC (front and back).
    • If you are a foreign national, you will need to include a photocopy of your employment pass (EP) and passport.

    How to apply for Air miles credit card?

    Before applying, you will first need to check whether you qualify. If you have compared and decided on the card of your choice, you may visit the respective bank’s website and submit your application online or visit a nearby bank branch and apply directly.

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