• Best Premium Credit Cards in Singapore

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    Premium cards are ideal for those who earn S$80,000 or more per year. Because most banks understand that premium customers have special needs and demands, they provide a panoply of privileges such as lifestyle benefits, travel benefits, entertainment benefits, rewards and rebates on the same card. While some cards are there for anyone to apply, there are others that are available by invitation only. For such cards, you can register your interest with the bank. Some of the common benefits of premium cards include:

    • Concierge service
    • Golfing privileges
    • Access to VIP lounges at airports
    • Comprehensive travel cover

    Compare The Best Premium Cards in Singapore:

    Card Name Annual Fee Travel Perks Other Privileges
    HSBC Visa Infinite
    S$650 for retail customers and S$488 for HSBC Premier customers Unlimited entry to more than 1,000 airport VIP lounges. One complimentary airport ride. One expedited airport clearance. 10x reward points on purchases made at selected merchants. Complimentary golfing privileges. Concierge service.
    Standard Chartered Bank Visa Infinite Credit Card
    S$588.5 Travel coverage of up to S$1 million. 3 miles for every S$1 spent. Complimentary yacht ride. 6 complimentary visits to Priority Pass lounges in a year. Earn reward points when you charge your tax payments to your card. 24x7 concierge and emergency assistance. Special dining and wellness privileges.
    Citi PremierMiles American Express Card
    S$267.5 2 Citi Miles per S$1 spent on Singapore Airlines and SilkAir. 2 Citi Miles per S$1 spent overseas. 3 Citi Miles per S$1 spent locally. 2 complimentary entries to Priority Pass lounges. Travel protection of up to S$1 million. Exclusive dining deals. Dining, shopping, and lifestyle privileges at selected merchants as a part of American Express Selects. Bonus miles on membership renewals. Miles can be used for shopping. Miles never expire.
    Citi Prestige Card
    S$535 Unlimited free access to Priority Pass VIP airport lounges. 8 free one-way airport limousine rides a year. Travel protection of up to S$1 million. Complimentary night stay at any hotel on 4-night hotel reservations. Up to 10% Citi Rebate at more than 300 merchant outlets. Special golfing privileges at premium golf courses. Emergency card replacement anywhere in the world within 48 hours. Global concierge service.
    DBS Woman’s World Card
    S$192.6 Discounts on hotel and travel reservations made through partner websites. Discounts on car rentals for a limited period. 10 DBS Points for every S$5 spent online. 3 DBS Points for every S$5 spent overseas. 1 DBS Point for every S$5 spent on other things. Range of dining and wellness privileges. Multiple instalment payment plans.
    UOB Visa Infinite Credit Card
    S$1,926 Personalised itineraries and assistance from the travel concierge. Exclusive offers and deals at premium hotels. Travel coverage of up to USD1 million. UNI$30,000 or 60,000 miles on joining or renewal. 2 miles per dollar on overseas shopping and dining. 2 miles per dollar when you spend locally on certain luxury brands. 1.2 miles on all other purchases.
    CIMB World Mastercard
    Perpetual waiver Special discounts and deals at retail, lifestyle, and dining partner outlets in Indonesia and Malaysia. Complimentary travel insurance of up to S$1 million. 1% cash rebate on all retail spends, without any cap. Golfing privileges at top clubs across Asia. e-commerce purchase protection plan. Special discounts and privileges on fine dining.
    CIMB Visa Infinite
    Perpetual waiver Airport experience made seamless through CIMB Airport Companion Programme. Up to 50% off dining bills at selected airport restaurants across the world. Free travel cover of up to S$1 million. 2% cash rebate on overseas, travel, and online spends made in foreign currencies. 1% cash rebate on all other retail expenses. Visa Infinite Concierge service. Gourmet dining discounts. 0% instalment payment plan available on your purchases.
    Maybank Visa Infinite
    S$600 (Waived for 1 year) Complimentary access to JetQuay. Complimentary access to VIP airport lounges worldwide. Complimentary limousine transfers to and from airports. Meet-and-greet service at key airports worldwide. Emergency card assist wherever you are. Special golfing privileges at top golf courses across the world. Special healthcare services at the Thomson Medical Group facility. 5 TREATS Points on foreign currency transactions. 3 TREATS Points on local purchases. Exclusive 19.1% savings on fuel.
    Maybank World Mastercard
    S$240 (Waived for 1 year) Free access to JetQuay. Global Concierge service helps with travel arrangements and planning. Free travel cover of up to S$1 million. Fee waiver on conversion of TREATS Points to miles. Exclusive 19.1% petrol savings. Golfing privileges. 10 TREATS Points on purchases made from selected merchants. TREATS Points earned will never expire. Contactless payment feature.
    OCBC VOYAGE Card
    Free Voyage Miles With S$488 get S$15,000. S$3,210 get 150,000. S$10,000 get 500,000. Complimentary limousine transfer. Complimentary access to more than 80 Plaza Premium VIP lounges. Free travel cover of up to S$1.5 million. End-to-end travel planning and assistance with reservations. Medical triage service. Invitations to theatres, concerts and other entertainment events. Planning special events and arranging gifts on your behalf for your intimate friends and family. Complete waiver of KrisFlyer Miles redemption administrative fee. Special golfing privileges.
    BOC Visa Infinite Card
    S$350 Complimentary travel insurance of up to S$1 million. 2 complimentary entries to Plaza Premium lounges worldwide. Waiver of currency exchange fees on foreign transactions. 1% cash rebate on all local purchases. No minimum spend requirement or earning cap. Lifestyle concierge assistance. Priority medical appointments. Free purchase protection.
    BOC World Mastercard
    S$190 Special assistance with hotel reservations and offers on hotel reservations worldwide. 24-hour concierge service. 3x rewards on eligible overseas transactions. Special offers on dining, wellness and entertainment.
    American Express Platinum Reserve Card
    S$535 Special deals and benefits offered by Live The World and American Express. Complimentary Wi-Fi anywhere around the world offered by Boingo and American Express. Easy conversion of reward points into loyalty points offered by partner merchants. Emergency medical and legal services anywhere in the world. Waiver of points to miles conversion fee. 24-hour concierge assistance. Purchase protection and return guarantee. 2 Membership Rewards points for every S$1.60 spent. Points don’t expire. Platinum golf privileges. Platinum wellness privileges. Special deals on dining.

    Who Should Use Premium Credit Cards?

    If you’re someone who earns at least S$80,000 a month and loves to splurge on lifestyle, dining, travel and all the finer things in life, you’ll find a premium card extremely useful.

    What Are the Commonly Offered Privileges?

    A premium card, as the name suggest, is mainly directed towards a select group of banking customers. Most cards come with exclusive deals and privileges. If you want more bang for the buck, convenience, and a life filled with luxuries, get yourself one of the cards listed above soon. Some of the privileges commonly available on premium cards are:

    • Exclusive club memberships
    • Special dining and hospitality offers
    • Points to miles administrative fee waivers, where applicable
    • Wellness and beauty deals
    • Accelerated reward points or miles earnings
    • Emergency card replacement
    • Exclusive healthcare services and offers
    • Complimentary limousine transfers to and from airports

    Things to Consider Before Getting a Premium Card

    • Check for the number of free airport limousine transfers and complimentary VIP lounges at airports.
    • Check for the wellness and lifestyle benefits. Get a clear idea about the terms and conditions, and the validity of the offers, if any.
    • Find out if there is a cap on earnings of reward points, miles or cash rebates. Going with a card that doesn’t have a monthly cap will help you maximise your returns on investments.
    • See the annual fees and its associate terms. Most premium cards have high annual fees. However, by spending a certain amount in a year, you may be able to get a waiver of annual fees for the next year. Some cards are, however, free for life.
    • Check the cards promotional offers on dining, hotel reservations, golf, car rentals, and wellness services.
    • Most of the banks offer concierge services with these cards. Check the details and the conditions.
    • Pore over the complimentary travel plan benefits, know the extent of coverage, the special conditions, and the exclusions.

    How to Choose the Right Premium Card?

    • Annual income criteria: Before applying for a card, check the minimum income criteria and see whether you meet the requirement or not. Premium cards usually have a minimum annual income requirement of S$80,000 or more. If you meet the requirement, carefully consider the benefits offered.
    • Privileges: Are you a golfing aficionado? Or are you someone who enjoys a relaxing spa session after a hard day’s work? Carefully study the benefits. Choose a card that rewards you for payments that you’re most likely to make. That would help you maximise the value you can derive from your card.
    • Travel benefits: You’re probably someone who has to travel a lot. Travel in style and luxury by choosing the right card. Most premium cards offer a wealth of dining, hospitality, and travel benefits that can make your tour pleasant and rewarding.
    • Annual fee waivers: Since the annual fees for most premium cards are usually on the higher side, try to look for cards that offer annual fee waivers for a longer period. Some banks also set conditions under which you may get a waiver for subsequent years by meeting certain criteria.

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