Which Miles Credit Card to Use in Singapore 2021?
Are you someone who loves to travel both locally and internationally? Do you wish to enjoy some perks that not everyone else got the chance to relish? Would you want to collect some points and earn something extraordinary and exciting? Now is probably the chance to obtain such a rewards program! By simply collecting credit card miles, you’ll be able to take trips you thought you’d never have.
Well, not everyone knows what credit card miles are and their advantages. Credit card miles are a type of benefit you acquire through loyalty programs. It is usually given to users as a form of reward for using a credit card to spend. With this, the more you use your credit card to buy and spend on numerous things, the more miles or points you collect and obtain. Through this card, you are eligible to redeem points to pay for your travel expenses. Such costs may include airfare, hotel stays, or even local transport.
You only need to note that it is the credit card issuer and the airline that defines the value of each mile. Thus, the amount and value differ depending on the type of credit card that you have. As a tip, you may opt to obtain a credit card from an issuer with a tied program with a specific airline. This way, you’ll have the chance to redeem rewards for seat upgrades, free companion tickets, and even priority boarding.
If you are now ready to travel, take a look at these top air miles cards you can find in Singapore:
|Credit Card Miles Issuer||Best For||Annual Fee|
|Citi PremierMiles Visa||All-in-one card best for beginners||$192.60|
|Standard Chartered X||Privileges and sign-on bonus||$695.50|
|UOB PRVI Miles Card||Best miles rate for both local and overseas spending||$256.80|
|OCBC 90°N Card||Non-expiring card||$192.60|
|American Express Singapore Airlines KrisFlyer Card||No redemption fee with bonus miles upon registration||$176.55|
|Maybank Horizon Card||Top choice for local and public transport spending||$180|
|DBS Altitude Visa||Luxury travel perks for a low price||$192.60|
|OCBC Voyage Card||Best for people with irregular travel schedule and flexible redemption||$488|
|HSBC Visa Infinite||Unlimited airport lounge access and immigration benefits||$650|
|Citi Prestige MasterCard||Luxury perks and travel insurance||$535|
If you are only starting with an air miles card, the Citi PremierMiles Visa is the perfect one to begin with. It is suited for average consumers as it is well-rounded and accessible, with a good balance of rewards and bonus miles.
The Citi PremierMiles Card is one of the oldest- yet outstanding- miles cards you can find in the market because it has a wide variety of transfer partners, and the card doesn’t expire. It also provides luxurious perks as it allows lounge access and travel insurance.
The PMV Card has an annual fee of $192.6 that is waived for the first year. This price is lower than most miles cards considering the benefits you can make use of. For new cardholders, you will also receive a welcoming bonus of 21,000 miles worth $210. You also get two complimentary lounge visits and travel insurance through this card every year. The miles you acquire also do not expire.
Singaporean residents are eligible to apply for this card if they are at least 21 years old and earn $30,000. Foreigners can also apply to use it as long as they have an annual income of at least $42,000.
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Are you looking for exclusive perks and hotel privileges you cannot get from other credit cards? Starting from free room upgrades from the best hotels in the world, you also get discounts on self-drive rental cars. Moreover, it provides a 30,000 worth of miles bonus to its cardholders upon paying the annual fees. With this, you’ll be able to enjoy the hotel rooms in Mandarin Oriental and even The St. Regis like a boss. Another highlight this miles card offers is that it allows flexible redemption.
However, such premium privileges come with a price. Its annual fee costs $695.50. Aside from a relatively higher cost than other air miles cards, applying for the card is also problematic. To be qualified, you must be at least 21 years old and have an income minimum of $80,000.
The UOB PRVI Miles Card is on top of the favorites as it offers the best rates you can have for both local and international spending. Moreover, it also provides reasonable credit miles per dollar rate. In terms of overseas spending, the card offers a rate of 2.4 miles per dollar. On the other hand, it has 1.4 miles per $1 local spending.
Upon signing up, you will have the chance to select among American Express, MasterCard, and Visa. Depending on your choice, you’ll have an exclusive benefit upon signing up. For example, the American Express version proposes 20,000 credit miles for you to have as long as you meet its annual spending.
You may also opt for this card if you anticipate a big expense that is coming your way. If there is an upcoming event or occasion, you may make use of this card so that you’ll also receive rewards from the points you’ll acquire. From free airport transfers to dining privileges, this card could help you get such travel perks.
Upon looking into the receipts of your spending, you may sometimes wish to get something in return. You may want to acquire points to redeem or have cashback to save. Having such high spending, it is not unusual to seek such perks. With all these, the OCBC 90°N Card might be the card you are looking for if you wish to acquire such benefits.
The OCBC 90°N Card allows you to earn rewards through traveling. You may opt to collect air miles or choose cash rebates. For every local spending, you may earn 1.2 miles for every dollar spent. On the other hand, you acquire 2.1 credit card miles when a dollar is spent overseas.
What makes the OCBC 90°N Card remarkable is that you never need to pay conversion fees. As you continue to earn miles and cashbacks, you wouldn’t have to worry about additional expenses. Moreover, you may continue to collect more points and rewards as they would never expire. The annual fee is only $192.60, and you get to enjoy the perks for both local and overseas travel.
One of the inconveniences with having credit cards is that you have to pay a redemption fee. Such extra payment would allow you to convert your points or miles. Good thing, the Amex card requires no redemption fee.
The American Express Singapore Airlines KrisFlyer Card is also great for starters. Each holder gains 1.1 miles per every dollar spent locally and 2 miles for international. If you are an avid Grab user, you can acquire 3.1 miles on every transaction. Moreover, you could quickly receive bonus miles for some of your daily transactions, such as purchasing items at Starbucks and Mcdonald’s.
Aside from not having transfer or processing fees, it also requires a reasonable annual price. The cost is only $176.55, and the payment is waived in the first year. Once you desire to travel, you may redeem free travel insurance and selected privileges from Amex. To acquire these outstanding perks, a Singaporean resident at least 21 years old must have an income of $30,000. For expats, the minimum is $60,000.
Are you someone who spends most on your daily transactions such as local dining, public transport, hotels, and petrol? Or are you the type of person who loves to go abroad and make use of various travel packages? If you are this kind of person, the Maybank Horizon Card might be the one you should look into.
The Maybank Horizon Card is known for having one of the best miles rates for local spending. By simply purchasing the most common things, you get to earn 3.2 credit card miles. Such a rate is considered higher than most air miles cards available. However, it is necessary to spend a minimum of $300 for every calendar month to receive the miles. This is the requirement set by Maybank as it didn’t require minimum spending.
Another highlight of this card is that it only has an annual fee of $180. Instead of the usual one-year waiver of fees, the Horizon Card waives the fee for three years. Moreover, if you have annual spending of at least $18,000, your fee may also be waived. Thus, you wouldn’t have to waste your money by only signing up for such a card. All you have to do is increase your local or international spending on other things, and you wouldn’t have to pay extra fees.
The DBS Altitude Visa Card is best known for its annual fee waiver and luxurious travel perks. This card is best for anyone who wants to gain specific travel perks without spending a tremendous amount of money. Under this card, the miles card rate is 1.2 for every $1 local spend. Similarly, there is a 2 miles rate for every international spending and 3 miles rate for online travel booking. Thus, this makes it the best miles card available for online booking.
One of the best features of this visa card is its travel privileges. Using the card, you may receive complimentary travel insurance, lounge visits, and even golfing or dining privileges. The miles or credit you collect don’t expire. The annual fee for the DBS Altitude Visa is $192.60. It may be waived if you have yearly spending of at least $25,000.
Have you always loved having and using your air miles card? However, do you wish it to be more flexible whenever you are redeeming the points you earned? The OCBC Voyage Card is now considered the best travel card for those seeking a flexible redemption of rewards. People love how it has no black-out dates whenever redeeming their points. To add more, there is a minimal processing time making it more convenient for its users. Through this feature, it makes it easier for you to cancel and reschedule your travel schedules without a hassle.
Its cardholders may earn 1.2 miles for every dollar spent on local purchases. Also, you may receive 2.3 miles for your overseas spending. However, if you enjoy trying out various food and local dining, you’ll love how it offers 1.6 miles of local dining. Such boosted miles rewards for dining spent allows you to collect more points and redeem more rewards quickly.
Still, it is essential to note that you need to have a minimum of $120,000 annual salary to qualify for this card. You would also need to pay its yearly fee worth $488. Nevertheless, everything becomes worth it when you get to enjoy its luxurious privilege. Get ready to relish unlimited lounge access, limo transfers, or golfing privileges with this card.
Why settle for less when you have the opportunity to travel with the best perks and privileges? Are you ready to be treated like a VIP whenever you are traveling around the world? The HSBC Visa Infinite is one of the top luxurious miles cards you could find in Singapore.
This Visa Infinite Card gives way for you to have unlimited access to more than 1,000 airport lounges in the world. Regular miles card limits you to have no more than two access to airport lounges per year. Aside from such access, you’ll also be entitled to limousine transfers and immigration clearance. You’ll definitely enjoy your luxurious travel whenever you go as everything becomes hassle-free.
The card also provides free travel insurance with a coverage of $2,000,000. Hence, you wouldn’t have to worry about your family if something happens while you are away from home. Another privilege would be a high mile rate offered to its users. You’ll be able to collect more points as you get to earn 2.25 miles for every dollar you spend overseas. On the other hand, you make 1.25 mpd on your local spending.
To apply for this card, you would need to be at least 21 years old with a minimum income of $120,000. After signing up, you get to receive the best welcome miles bonus. You could even receive at least 35,000 miles upon your registration.
With an annual fee of $535, the Citi Prestige MasterCard is one of Singapore’s top overall luxurious mile cards. It allows a person to experience lavish and fancy travel around the world. This card allows its users to enjoy unlimited airport lounges, limo transfers, and bonus nights. Lifestyle and dining privileges are also offered to its users.
The Citi Prestige MasterCard also provides a special rewards rate. You may obtain 1.3 mpd for your local spend and 2 mpd for international spend. Aside from this, holders also receive a 25,000-reward bonus annually. Thus, you get the most of what you can have from the annual payment you have, making everything worth it.
There is no specific or absolute amount of how much a mile is worth. If you collect them to redeem your travel rewards, you must know that each card has some specific advantage over the other, depending on your preference. The value of a mile depends on several factors. Such considerations include the airline company, type of flight, and the day or schedule you are booking. Depending on your bank and program, each mile has a different value as compared to others. Thus, it is necessary to select the best air miles card that you can score the best to enjoy the most benefits and perks.
For instance, you may opt to book a flight or buy specific items under KrisFlyer. All you have to do is to log in and select a flight or item of your choice. After this, you only need to choose the miles as your choice of payment to proceed.
All in all, each card is distinct from the other. Credit card companies in Singapore offer various programs to cater to a wide range of people depending on their income and spending. This way, everyone gets the chance to enjoy the travel perks and benefits they provide.
In choosing your credit card miles, it is only necessary to look into what fits in your lifestyle. If you seek to enjoy high-end and lavish benefits, you may opt to select the luxurious miles card. On the other hand, if you only want to get the most from all the spending you are having, there are also cheaper options available for you. Everything boils down to your preference.
You may also want to consider the top 10 air miles cards listed in this article. This way, it becomes easier for you to narrow down your options.