For Singapore-based frequent flyers who want to maximise every dollar spent, choosing the right miles credit card is essential. This list is for working adults and young professionals who fly regularly and value direct mile accrual, airport lounge access, and flexible redemption options. Our picks were selected based on earn rates, annual fees, supplementary card benefits, and overall value for local spending patterns. We have analysed each card's strengths and weaknesses to help you decide which one aligns with your travel goals.
Quick Comparison
| Pick name | Best for | Key feature/spec | Approx. price |
|---|---|---|---|
| UOB PRVI Miles | High earn rate on local spend | 1.4 miles per S$1 on all local spend | S$192.60/year (waived with min spend) |
| Citi PremierMiles | Miles flexibility & transfer | 1.2 miles per S$1, transfers to 15+ programs | S$194.40/year (waived with min spend) |
| DBS Altitude | Airport lounge access | 6 lounge visits/year via Priority Pass | S$192.60/year (first year free) |
| OCBC 90°N | Travel spending rewards | 2.1 miles per S$1 on travel & dining | S$195/year (waived with min spend) |
| HSBC Revolution | No annual fee miles earner | 2 miles per S$1 on contactless & online | S$0/year (no annual fee) |
| UOB Lady Solitaire | Bonus miles on selected categories | Up to 6 miles per S$1 on 2 categories | S$256.80/year (waived with min spend) |
| KrisFlyer UOB | Direct KrisFlyer accrual | 1.2 miles per S$1, direct to KrisFlyer | S$194.40/year (waived with min spend) |
UOB PRVI Miles
A reliable all-rounder for local spending with a consistent earn rate.
- Pros: High 1.4 miles per S$1 on all local spend; no cap on miles earned; flexible redemption via UNI$.
- Cons: Lower earn rate on foreign currency (2.4 miles per S$1 but with foreign transaction fee); annual fee is not permanently waived.
Best for frequent flyers who spend mostly in Singapore and want a simple, high-earn card without category restrictions. The UOB PRVI Miles offers a strong base earn rate of 1.4 miles per S$1 on all local transactions, making it one of the best for daily spending. Overseas spend earns 2.4 miles per S$1, but a 3.25% foreign currency fee applies. The annual fee is S$192.60 but is waived if you spend at least S$20,000 annually. Miles are pooled in UNI$, which can be transferred to 10 airline partners including KrisFlyer and Asia Miles.
Citi PremierMiles
Best for mile transfer flexibility to multiple airline programs.
- Pros: Transfers to over 15 frequent flyer programs; 1.2 miles per S$1 on all spend; two free Priority Pass lounge visits per year.
- Cons: Earn rate is average compared to competitors; foreign transaction fee of 3.25%.
Best for travelers who want to keep options open for redeeming miles across different airlines. The Citi PremierMiles card earns 1.2 miles per S$1 on all spend, with bonus miles on specific categories during promotions. It offers two complimentary Priority Pass lounge visits annually, making it a good entry-level travel card. The annual fee is S$194.40 but can be waived with S$15,000 annual spend. Its key advantage is the ability to transfer miles to over 15 airline loyalty programs, including KrisFlyer, Asia Miles, and British Airways Avios.
DBS Altitude
Solid choice for lounge access and travel insurance.
- Pros: 6 complimentary Priority Pass lounge visits per year; 1.2 miles per S$1 on local spend; 2 miles per S$1 on overseas spend.
- Cons: Earn rate on local spend is only 1.2 miles; annual fee is not permanently waived.
Best for frequent flyers who value airport lounge access and travel insurance. The DBS Altitude card provides 6 lounge visits per year (2 per quarter) via Priority Pass, which is generous for a mid-tier card. It earns 1.2 miles per S$1 on local spend and 2 miles per S$1 on overseas spend, with no foreign transaction fee on overseas transactions. The annual fee is S$192.60, waived for the first year, and can be waived with S$20,000 annual spend. Travel insurance coverage is also included.
OCBC 90°N
Tailored for travel and dining spending with bonus miles.
- Pros: 2.1 miles per S$1 on travel and dining; 1.3 miles per S$1 on other spend; can convert to 9 airline programs.
- Cons: Bonus miles only on selected categories; annual fee is high if not waived.
Best for those who spend heavily on travel (flights, hotels) and dining. The OCBC 90°N card offers 2.1 miles per S$1 on travel and dining, and 1.3 miles per S$1 on all other spend. It also provides 2 complimentary lounge visits per year. The annual fee is S$195, but can be waived with S$15,000 annual spend. Miles are pooled in OCBC$ and can be transferred to 9 frequent flyer programs, including KrisFlyer and Asia Miles. Travel insurance is included.
HSBC Revolution
No annual fee and strong earn rate on contactless and online spending.
- Pros: No annual fee; 2 miles per S$1 on contactless (including Apple Pay) and online spend; 1 mile per S$1 on other spend.
- Cons: Lower earn rate on non-bonus categories; no lounge access.
Best for budget-conscious frequent flyers who want a no-fee card for everyday online and contactless transactions. The HSBC Revolution card has a compelling earn rate of 2 miles per S$1 on contactless (including mobile wallets) and online spend, with no annual fee. Other spend earns 1 mile per S$1. Miles are pooled in HSBC Rewards and can be transferred to 8 airline programs. The lack of lounge access is a drawback, but the zero annual fee makes it an excellent supplementary card.
UOB Lady Solitaire
Best for targeted bonus miles on specific spending categories.
- Pros: Up to 6 miles per S$1 on 2 chosen categories (e.g., dining, travel); no limit on bonus miles.
- Cons: Annual fee is S$256.80; bonus categories limited to 2; must choose categories each quarter.
Best for women who can optimise spending in two high-spend categories. The UOB Lady Solitaire card offers up to 6 miles per S$1 on two selected categories (e.g., dining, travel, online shopping) each quarter. Other spend earns 0.4 miles per S$1. The annual fee is S$256.80 but can be waived with S$25,000 annual spend. Miles are in UNI$ and transferable to 10 airline partners. This card is ideal for those who can actively manage their categories to maximise returns.
KrisFlyer UOB
Direct KrisFlyer miles accrual for Singapore Airlines loyalists.
- Pros: Miles automatically credited to KrisFlyer; 1.2 miles per S$1 on local spend; 2.4 miles per S$1 on overseas spend.
- Cons: No flexibility to transfer to other programs; foreign transaction fee of 3.25%.
Best for Singapore Airlines frequent flyers who want a simple, direct miles earning card. The KrisFlyer UOB credit card earns 1.2 miles per S$1 on local spend and 2.4 miles per S$1 on overseas spend. Miles go directly into your KrisFlyer account, eliminating the need for manual transfers. The annual fee is S$194.40, waived with S$15,000 annual spend. It also offers 2 complimentary lounge passes per year. The main drawback is the lack of transfer flexibility, which makes it less ideal for those who fly multiple airlines.
How to Choose
- Earn rate on local vs. overseas spend: Consider where you spend most. High earn rates on local spend (e.g., UOB PRVI Miles) benefit local shoppers, while overseas-centric cards (e.g., DBS Altitude) suit frequent travelers.
- Annual fee and waiver conditions: Check if the annual fee can be waived with a minimum spend. Some cards offer first-year free but require careful management thereafter.
- Lounge access and travel perks: If you value airport lounges, look for cards with multiple complimentary visits, such as DBS Altitude (6 visits) or Citi PremierMiles (2 visits).
- Mile transfer flexibility: Cards like Citi PremierMiles offer transfers to many programs, while KrisFlyer UOB locks you into one program. Choose based on your preferred airlines.
- Category bonuses: For those who can optimise spending, cards like UOB Lady Solitaire offer very high bonus miles on selected categories, but require active management.