Guides

Cashback vs Miles Credit Cards: Which Should You Use?

Updated 2026-07-31 · SGMiles Editors

Cashback gives money back immediately. Miles take effort but can be worth far more per dollar when redeemed for premium flights.

Choose cashback if

  • You don't fly often.
  • You want predictable, instant value.
  • Your spend is low (miles need volume to matter).

Choose miles if

  • You travel at least once or twice a year.
  • You can hit a card's bonus categories.
  • You aim for business-class redemptions.

Related: No-fee cards · KrisFlyer 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.