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Discover which is the best miles credit card Singapore? This is the most important step for you to earn more money.
The right card accumulates points quickly. With this, you reduce the cost of your future trips. Think of it as a strong tool for your financial control.
You need to analyze the offers to find the ideal card for your pocket. The market has exclusive benefits that are worth much more than traditional cashback programs. Understanding how to use this card gives you a great advantage when paying bills. This advantage starts with choosing the best miles credit card Singapore.
This guide brings the details for you to choose the best miles credit card Singapore most advantageous. You will have a clear view of the best card for traveling, understanding the fees and how to multiply your points. Keep reading.
Quick Comparison of the Best Miles Credit Cards Singapore
1. Citi PremierMiles Card (Best miles credit card Singapore)
The Citi PremierMiles Card is for those who want to accumulate miles steadily, but you need to be aware of the costs.
You should know that the annual fee is SGD 196.20 and the annual interest rate reaches 27.9%. If you delay payment, the bank charges a high late fee of SGD 100.
The card earns 1.2 miles per dollar on local purchases and 2.2 miles on overseas purchases. However, using the card outside the country incurs an extra fee of 3.25%.
With it, you get two free lounge visits per year and travel insurance of SGD 1 million.
This card is suitable for those starting to collect miles and looking for flexibility, as miles have no expiration date.
2. UOB PRVI Miles Card
The UOB PRVI Miles Card is a card focused on frequent travelers but requires close attention to spending. It is known for accumulating miles very quickly on every purchase made.
However, the cost of having this card is high. The annual fee costs SGD 261.60 and annual interest is 27.8%.
Additionally, the bank charges a 3.25% fee on foreign currency transactions and SGD 27.00 for administrative fees.
As a primary advantage, the card offers 1.4 miles per dollar spent in Singapore and 2.4 miles in other countries. On trips to locations like Malaysia and Thailand, the earn rate rises to 3 miles. On the Expedia site, the return reaches 8 miles per dollar.
The user also receives four complimentary airport lounge visits per year (via Priority Pass).
Due to high fees, it is more suitable for high earners who can spend enough to offset the costs.
3. HSBC TravelOne Credit Card (Best miles credit card Singapore)
The HSBC TravelOne Credit Card is focused on fast points transfers and lounge access.
However, for those with lower income, the fixed costs require much care. You must pay an annual fee of SGD 196.20 to keep the card active.
The greatest financial risk lies in revolving credit. The bank charges very high interest, 27.8% per year, if you do not pay the full balance of the statement.
Additionally, purchases made in another currency suffer an extra fee of 3.25% on the amount spent.
As positive points, the card offers 1.2 miles per dollar spent locally and 2.4 miles abroad, without charging fees to transfer these points. In fact, it is considered one of the main Singapore best miles card.
It also gains 4 annual lounge visits and medical evacuation insurance of SGD 1,000,000 on trips.
4. DBS Altitude Card
The DBS Altitude Card focuses on those who want to collect miles without rushing, as the points never expire.
It is worth noting that the bank offers an annual fee waiver for the first year, which facilitates the entry of new customers looking for travel benefits.
However, the user must be extra careful with the budget. After the free period, the annual fee costs SGD 196.20.
The biggest danger is the annual interest of 27.8%, which can create a huge debt if the statement is not paid in full every month.
The card yields 1.3 miles for every dollar spent locally and 2.2 miles on overseas purchases. However, purchases in another currency weigh on the pocket due to the 3.25% exchange fee.
Additionally, the bank charges SGD 27.25 every time you decide to convert your points into air miles.
As extras, the customer receives two free annual visits to airport lounges through Priority Pass.
Another convenience is point consolidation, which allows you to combine earnings from this card with other accounts you already have at DBS.
5. OCBC 90°N Card (Best miles credit card Singapore)
The OCBC 90°N card tries to help those who want to spend daily and pay for hotels. But you need to pay close attention to the accounts.
To have the card, you pay an annual fee of SGD 196.20. If you do not pay the full statement, the bank charges very high interest of 27.8% per year.
Additionally, the bank charges a 3.25% exchange fee when you buy in another currency.
If you want to turn your points into miles, you will have to pay a conversion fee of SGD 25.00. The good side is that your points never expire; they have lifetime validity.
About the earnings, the card gives 1.3 miles per dollar spent in Singapore and 2.1 miles on international purchases.
Those who use the Agoda site earn much more: 7 miles per dollar. The bank also offers 3 international roaming packages of 1GB (for 5 days each) on Flexiroam every year.
This card is made for working youth and tourists who travel often. It helps those who make many reservations on Agoda and need internet on their phone when out of the country.
6. KrisFlyer UOB Credit Card
The KrisFlyer UOB card requires much care with your pocket. The biggest danger is the 27.8% interest per year. If you don’t pay the whole bill, the debt grows very fast.
You pay an annual fee of SGD 196.20, but the bank doesn’t charge in the first year. The bank also taxes 3.25% on every purchase you make out of the country.
The card gives 3 miles per dollar on Singapore Airlines and 2.4 miles on transportation and food apps. It sends the points to the airline every month without charging extra fees.
This card only serves those who spend SGD 800 per year on tickets with the company. If you don’t always travel with them, the high costs are not worth it.
Conclusion
Choosing the best miles card requires care. You need to weigh how much you spend and how much the card charges in fees and annual fees. Remember: stay away from expensive debts.
Cards like the Citi PremierMiles and the DBS Altitude are good choices. They offer miles that never expire. Thus, you accumulate without rush and with safety.
The right card matches your daily life. For example, the HSBC Revolution is great because it does not charge an annual fee. It helps you earn more points on the purchases you already make, saving money.
Now, compare all the cards. See which one fits your budget and your income. Apply for your card today through Singpass and start traveling better.