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Finding the best Singapore credit card offers requires a careful analysis of what each option offers. The right decision can mean thousands of air miles for your next trip or good cashback for everyday expenses.
Whatever your financial goal, Singapore credit card offers are designed to cater to all audiences, whether frequent travelers or those who want to use them for daily expenses.
In this article, we will provide an objective analysis of the main Singapore credit card offers available. We will focus on concrete data regarding benefits, fees, and consumer reputation. Our aim is to present you with all the information needed to choose a card that truly meets your needs.
Best Singapore Air Miles Credit Card Offers
1. HSBC TravelOne Credit Card (Singapore Credit Card Offers)
The HSBC TravelOne Credit Card offers a miles program where you earn:
- 1.2 miles per S$1 on local spending;
- 2.5 miles per S$1 in foreign currency.
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Without a doubt, this is one of the highlights among Singapore credit card offers for frequent travelers.
The card also gives you a welcome bonus of 20,000 miles upon paying the annual fee of S$196.20 (waived if you spend S$25,000 or more per year).
Your miles have a long validity, expiring only after 37 months.
The card is highly valued for its ease of exchange, as points are convertible into miles for nine airline programs and three hotel chains.
Additionally, the HSBC app allows immediate redemption of points for partners, a useful feature during flight promotions.
As a rule, the card includes travel protections such as insurance and coverage for flight delays. Furthermore, the bank frequently offers special discounts at agencies like Expedia or Agoda.
2. DBS Altitude Visa Signature Card
First and foremost, the DBS Altitude Visa Signature Card is one of the highest-rated for miles.
The differential of this card is the rate of 3 miles per S$1 on flight and hotel bookings made online.
Moreover, accumulated miles never expire, allowing for long-term accumulation.
The card offers a renewal bonus of 10,000 miles upon paying the annual fee of S$196.20 (the first year is free).
Another attractive feature is the two annual accesses to Priority Pass lounges.
The card also has a travel program in partnership with Kaligo and Expedia, which can yield up to 7 extra miles, totaling up to 10 miles per dollar spent.
3. UOB KrisFlyer Credit Card (Singapore Credit Card Offers)
The UOB KrisFlyer Credit Card is for Singapore Airlines customers.
Initially, it offers a rate of 3 miles per S$1 on purchases with Singapore Airlines, Scoot, KrisShop, Kris+, and Pelago.
The same rate of 3 miles per S$1 applies to dining expenses and transport services like taxis and Grab.
Furthermore, for all other local purchases, the accumulation is 1.2 miles per S$1 and increases to 2.4 miles per S$1 on overseas purchases.
Miles are credited directly to the customer’s KrisFlyer account, with no conversion fee required.
You also get 10,000 birthday miles when you spend S$20,000 in a year.
It includes travel insurance and baggage loss coverage, as well as lifestyle benefits such as dining discounts.
4. UOB PRVI Miles Mastercard
The UOB PRVI Miles Mastercard is designed for those who spend a lot abroad.
It will give you 1.4 miles per S$1 spent locally and a rate of 2.4 miles per S$1 overseas. Customers who spend in Indonesia, Malaysia, Thailand, or Vietnam earn 3 miles per S$1.
The card does not impose a maximum limit on accumulated miles.
Other bonuses include up to 8 miles per S$1 on hotel bookings on Agoda and 6 miles per S$1 on Expedia.
As a rule, it is one of the most generous cards for lounge access, with 4 free accesses per year.
Finally, the card has an annual fee of S$256.80 and includes complimentary travel insurance with coverage for flight delays and baggage loss.
5. Citi PremierMiles Visa Card (Singapore Credit Card Offers)
The Citi PremierMiles Visa Card is one of the most popular and reliable miles cards.
It offers 1.2 miles per S$1 on local purchases and 2.2 miles per S$1 overseas.
The main selling point of this card is that accumulated Citi Miles never expire.
Allowing the customer to accumulate long-term without haste.
Upon paying the annual fee of S$196.20 (waived for the first year), the customer receives a renewal bonus of 10,000 miles.
The card also offers two free annual accesses to VIP lounges through Priority Pass.
Miles can be converted to a wide range of airline programs, such as KrisFlyer and Avios.
6. Standard Chartered Simply Cash Credit Card
The Standard Chartered Simply Cash Credit Card is one of the simplest and most direct Singapore credit card offers. It is an ideal card for those looking for hassle-free cashback.
Initially, you will get unlimited 1.5% cashback on all purchases.
If the eligible monthly spend is S$800 or more, the rate increases to 2%.
There is no cashback limit, and the customer does not need to worry about tracking spending categories.
Cashback is automatically credited to the card statement.
The card has an annual fee of S$196.20 (waived for the first year) and is compatible with Apple Pay, Google Pay, and Samsung Pay.
7. DBS Woman’s World Credit Card
Despite its historical name, the DBS Woman’s World Credit Card is open to both men and women. It is also one of the most interesting Singapore credit card offers for digital purchases.
Its main attraction is the rate of 10X DBS Points (equivalent to 20 miles per S$5) on online purchases, making it a powerful tool for those who frequently shop on websites and apps.
For overseas spending, you get 3X DBS Points (6 miles) per S$5, and 1X DBS Point on other purchases.
Accumulated points have no expiry, provided there is minimal activity.
8. OCBC FRANK Credit Card (Singapore Credit Card Offers)
The OCBC FRANK Credit Card is another cashback-focused option, especially popular among young people due to its customizable design.
It offers a generous 8% cashback on online purchases, mobile contactless payments, and foreign currency transactions.
Additionally, the card offers an ecological bonus of an extra 2% cashback on purchases made at sustainable merchants.
You can get up to 10% cashback at supermarkets, retail, and restaurants when combined with seasonal promotions.
The base cashback for all other expenses is 0.3%.
The annual fee of S$196.20 is waived for the first two years.
The monthly cashback limit is S$100. OCBC Bank, formed in 1932 by the merger of three local banks, is one of the oldest and most respected financial institutions in the region.
If you want to know more cashback options, check out all the best Singapore cards with cashback.
Comparative Table of Singapore Credit Card Offers
| Card | Annual Fee (S$) | Main Reward |
| HSBC TravelOne Credit Card | 196.20 | 1.2 miles per S$1 local |
| DBS Altitude Visa Signature Card | 196.20 | 3 miles per S$1 online (travel) |
| UOB KrisFlyer Credit Card | 196.20 | 3 miles per S$1 (Dining/SQ) |
| UOB PRVI Miles Mastercard | 256.80 | 2.4 miles per S$1 overseas |
| Citi PremierMiles Visa Card | 196.20 | Miles that never expire |
| SC Visa Infinite Credit Card | 599.50 | Unlimited Priority Pass access |
| UOB One Card | 196.20 | Up to 10% in daily categories |
| SC Simply Cash Credit Card | 196.20 | Unlimited 1.5% cashback |
| DBS Woman’s World Credit Card | 196.20 | 10X points on online purchases |
| OCBC FRANK Credit Card | 196.20 | 8% on online/contactless purchases |
Conclusion
In summary, choosing among the best credit card offers in Singapore comes down to aligning the card’s benefits with your spending habits and financial goals.
Whether you are a frequent traveler looking for premium miles accumulation or a consumer seeking cashback, you will undoubtedly find the right card among those mentioned.
By comparing annual fees, miles or cashback rates, and benefits such as lounge access or partner program conversions, you will be able to choose a card with peace of mind.