Credit Cards
Best Travel Credit Cards in Singapore 2026: One Table to Pick the Right One
Choosing a travel credit card comes down to three things: how fast you earn miles, whether the annual fee is worth it, and how thick the sign-up bonus is. This roundup puts the 8 most-used cards in Singapore side by side. Rates and promos change often — always confirm the latest figures on the bank's official page before applying.
| Card | Local miles | Overseas miles | Annual fee (Yr 1) | Sign-up bonus |
|---|---|---|---|---|
| DBS Altitude | 1.3 mpd | 2.2 mpd | Waived | Up to 28,000 miles |
| UOB PRVI Miles | 1.4 mpd | 2.4 mpd | Waived | Up to 10,000 miles |
| Citi PremierMiles | 1.2 mpd | 2.2 mpd | Waived | Up to 30,000 miles |
| OCBC 90°N | 1.3 mpd | 2.1 mpd | Waived | Up to 28,000 miles |
| HSBC TravelOne | 1.2 mpd | 2.4 mpd | Waived | Up to 20,000 miles |
| Amex SIA KrisFlyer | 1.1 mpd | 2.0 mpd | Waived | Up to 23,000 miles |
| SC Journey | 1.2 mpd | 2.0 mpd | Waived (yr 1) | Up to 23,000 miles |
| Maybank Horizon | 1.3 mpd | 2.0 mpd | Waived | Up to 36,000 miles |
Pick by spending profile
- Frequent long-haul flyer, high annual spend: UOB PRVI Miles (best overseas rate at 2.4 mpd).
- Want zero annual fee to start: Citi PremierMiles / HSBC TravelOne / SC Journey.
- Die-hard Singapore Airlines loyalist: Amex SIA KrisFlyer co-brand — miles post straight to KrisFlyer.
FAQ
Do miles expire?
KrisFlyer miles are valid for 3 years. Plan redemptions rather than hoarding.
Will multiple cards blow up my annual fees?
Start with a fee-waived card, then add one paid primary card once you know your alliance.
Related: KrisFlyer co-branded card review · KrisFlyer beginner guide
Disclaimer: This article is general information, not official advice or financial guidance from any bank. Annual fees, miles rates and sign-up bonuses are subject to change — confirm the current figures on the official bank/airline pages before acting. Use credit responsibly.