Looking for the best miles credit card in Singapore to maximise travel rewards in 2026?
Whether you’re chasing free flights, airport lounge access, or big welcome bonuses, choosing the right miles card can save you thousands on travel annually.
In this guide, we compare Singapore’s top 4 miles credit cards — UOB PRVI Miles, HSBC TravelOne, Citi PremierMiles, and DBS Altitude — covering earn rates, annual fees, lounge perks, FX fees, and eligibility requirements so you can pick the card that fits your spending patterns and travel goals.
And if saving money matters more than earning miles, consider YouTrip, a multi-currency travel wallet with 0% FX fees that often saves more than miles cards earn.
💜 Stay Up To Date:
– Korea Power Plug & Socket Guide: Types, Voltage, Adapters & Tips
– SGD To MYR Rate Today: Best Exchange Rates, Forecast & Where to Change Money
– Trust Card Vs YouTrip: Which Is The Better Card For Overseas Spending?
⚡️ TL;DR: Best Miles Credit Card in Singapore (2026)
| Card | UOB PRVI Miles | HSBC TravelOne | Citi PremierMiles | DBS Altitude |
|---|---|---|---|---|
| Annual Fee | S$261.60 | S$196.20 | $196.20 | S$196.20 |
| FX Fee | 3.25% | 3.25% | 3.25% | 3.25% |
| Local Spend | 1.4 mpd | 1.2 mpd | 1.2 mpd | 1.3 mpd |
| Overseas Spend | Up to 3mpd | 2.4 mpd | 2.2 mpd | 2.2 mpd |
| Lounge Access | 4/year | 4/year | 2/year | 2/year |
| Miles Expiry | up to 27 months | 36-37 months | No expiry | No expiry |
| Transfer Partners | Good | ⭐ Best (15+) | Good (10+) | Good (10+) |
| Best For Regional Travel (SEA) | ⭐ Best | Good | Good | Good |
| Best for Beginners | Good | Good | Good | ⭐ Best |
The best miles card in Singapore depends on how and where you spend:
- UOB PRVI Miles – Best for frequent regional travel in Asia
- HSBC TravelOne – Best for the widest airline & hotel transfer partners
- Citi PremierMiles – Best for non-expiring miles
- DBS Altitude – Best miles card for beginners
⚖️ For everyday overseas spending, many travellers use YouTrip to avoid FX fees entirely.
📖 Discover the Best Multi-Currency Cards In Singapore: A Full Comparison Guide
📌 Table of Contents:
- How Does a Miles Credit Card Work?
- How to Choose the Best Miles Card
- Best Miles Credit Cards In Singapore (2026)
- YouTrip vs Miles Credit Card – Which Is Better For Travel?
- Tips to Maximise Your Miles Credit Card
- FAQs
How Does a Miles Credit Card Work?
Miles credit cards let you earn miles per dollar (mpd) on your everyday spending. These miles can then be redeemed for:
- ✈️ Free flights
- 💺 Seat upgrades
- 🍸 Airport lounge access
- 🏨 Hotel stays & travel perks
Typically, you earn 1–1.4 mpd locally and 2–3 mpd overseas, depending on the card. Some also give bonus miles for online travel bookings or dining.
How to Choose the Best Miles Credit Card
Not all miles cards are created equal. Here are the key things to check before applying:
- Miles per dollar (mpd) rates – Higher isn’t always better if it comes with caps or restrictions. Look at both local and overseas earn rates.
- Minimum income requirements – Most miles cards require S$30k–S$50k annual income for Singaporeans/PRs and S$40k–S$60k for foreigners. If you don’t meet the cut, YouTrip has no income requirement — anyone 15+ can sign up.
- Expiry policy – Some miles never expire (like Citi PremierMiles, DBS Altitude), while others have strict timelines.
- Annual fees – Most are often around S$190–260. Some waive in the first year, others give bonus miles on renewal.
- Lounge access – Frequent flyers will want free Priority Pass or DragonPass visits.
- FX fees – Almost all charge ~3.25%. If exchange rates matter more than perks, YouTrip will save you more than a miles card.
- Transfer partners – A wider network (like HSBC TravelOne) gives more flexibility with airlines and hotels.
Top Miles Credit Cards In Singapore (2026):
1. UOB PRIVI Miles Visa Card
Image Credits: UOB Singapore
Why it stands out: One of the highest overseas earn rates in the game – especially great for regional trips.
Annual Fee: S$261.60
- First-year waiver: Often available (check current promotions)
- Breakeven: Spend ~S$8,700/year overseas to justify vs free cards
FX Fee:~3.25%
Key Perks:
- 1.4 mpd on local spend
- 2.4 mpd on other foreign spend
- Up to 3 mpd on regional spend (MY, TH, VN, ID)
- 8 miles per S$1 on Agoda; 6 miles per S$1 on Expedia
- 4 complimentary lounge visits/year
Miles Expiry: 2 years from the end of the earning quarter (e.g., miles earned in Jan-Mar 2026 expire Mar 31, 2028)
Transfer Partners: KrisFlyer (Singapore Airlines), Asia Miles (Cathay Pacific), Enrich (Malaysia Airlines), Royal Orchid Plus (Thai Airways), and more
Eligibility:
- Min. Age: 21 years old
- 🇸🇬 Singaporeans/PR: S$30,000 annual income
- 🌍 Foreigners: S$40,000 annual income
Best for: Frequent flyers who spend big in SEA or regularly book trips online.
📖 Learn more about the UOB PRIVI Miles Card here
2. HSBC TravelOne Card
Image Credits: HSBC Singapore
Why it stands out: A newer card gaining traction thanks to its broad transfer network and instant redemption.
Annual Fee: S$196.20
- First-year waiver: Often available (check current promotions)
- Breakeven: Spend ~S$6,500/year overseas to justify vs free cards
FX Fee: ~3.25%
Key Perks:
- 2.4 mpd on overseas spend
- 1.2 mpd on local spend
- Access to the most airline/hotel partners in Singapore
- 4 lounge visits/year via DragonPass
- Complimentary travel insurance (coverage of up to S$150,000) when you charge the full cost of your air ticket to HSBC TravelOne
Miles Expiry: 36-37 months from the date of earning
Transfer Partners: 15+ partners, including Singapore Airlines KrisFlyer, Cathay Pacific Asia Miles, British Airways Avios, Qatar Airways Privilege Club, Emirates Skywards, IHG Rewards, Marriott Bonvoy, and more
Eligibility:
- Min. Age: 21 years old
- 🇸🇬 Singaporeans/PR
- New applicants or existing HSBC customers with TRB < S$50,000: S$65,000 annual income
- Existing HSBC customers with TRB ≥ S$50,000:
- Salaried employees: S$30,000 annual income
- Self-employed or commission-based earners: S$40,000 annual income
- 🌍 Foreigners: S$65,000 annual income
Best for: Jetsetters who want flexibility and a wide redemption network.
📖 Learn more about the HSBC TravelOne Card here
3. Citi PremierMiles Card
Image Credits: Bankmeister
Why it stands out: A reliable all-rounder, especially if you hate expiry deadlines.
Annual Fee: S$196.20
- First-year waiver: Often available (check current promotions)
- Renewal bonus: 10,000 miles (worth ~S$125)
- Net annual cost after bonus: ~S$71.20
FX Fee: ~3.25%
Key Perks:
- 2.2 mpd on overseas spend
- 1.2 mpd on local spend
- UP to 10 mpd on selected online travel bookings
- 2 Priority Pass lounge visits/year
- Miles never expire
- 10,000 renewal bonus miles on card anniversary*
Miles Expiry: Never expires – ideal for slow earners saving for premium redemptions
Transfer Partners: 10+ partners, including Singapore Airlines KrisFlyer, Cathay Pacific Asia Miles, Thai Airways Royal Orchid Plus, Qantas Frequent Flyer, Virgin Atlantic Flying Club, and more
Eligibility:
- Min. Age: 21 years old
- 🇸🇬 Singaporeans/PR: S$30,000 annual income
- 🌍 Foreigners: S$42,000 annual income
Best for: Gradual earners who value non-expiring miles.
📖 Learn more about the Citi PremierMiles card and how it compares to other Citi miles credit cards here
4. DBS Altitude Visa Signature Card
Image Credits: AK Credit
Why it stands out: A solid all-rounder with good travel perks, ideal for beginners starting their miles journey.
Annual Fee: S$196.20
- First-year waiver: Often available (check current promotions)
- Renewal bonus: 10,000 miles (worth ~S$125)
- Net annual cost after bonus: ~S$71.20
FX Fee: ~3.25%
Key Perks:
- 2.2 mpd on overseas spend
- 1.3 mpd on local spend
- 2 Priority Pass lounge visits/year
- Free travel insurance when flights are booked on the card
- Miles never expire
- 10,000 renewal bonus miles*
Miles Expiry: Never expires – great for first-timers who aren’t sure how quickly they’ll accumulate miles
Transfer Partners: 10+ partners, including Singapore Airlines KrisFlyer, Cathay Pacific Asia Miles, Emirates Skywards, Virgin Atlantic Flying Club, and more
Eligibility:
- Min. Age: 21 years old
- 🇸🇬 Singaporeans/PR: S$30,000 annual income (≤55 yrs) or S$15,000 annual income (56+ yrs)
- 🌍 Foreigners: S$45,000 annual income
Best for: First-time miles chasers who want solid rewards and peace of mind.
📖 Learn more about the DBS Altitude Card here
YouTrip vs Miles Credit Card: Which Is Better For Travel?
YouTrip is not a credit card. While miles cards earn flights and perks, FX fees (~3.25%) can eat into savings. YouTrip, one of the most widely used multi-currency cards for Singaporeans, is a smarter option for everyday overseas spending:
Key Perks:
- Accepted at over 80 million Mastercard merchants globally
- 0% FX fees
- Real-time exchange rates for 150+ currencies worldwide
- Lock in rates for 12 major currencies
- No annual fees, no income requirements, and no interest charges
- S$400/month in free overseas ATM withdrawals (2% fee thereafter)
Annual Fee: None
Minimum Income: None
FX Fee: None
Best for: Savvy travellers who want to avoid unnecessary fees.
⚖️ Miles cards shine for big-ticket bookings. YouTrip is perfect for daily overseas expenses — coffee, transport, snacks, and small splurges.
How to use YouTrip overseas?
- Top up your YouTrip wallet in SGD using PayNow, a linked bank account, or a credit/debit card.
- Lock in foreign exchange rates in the app before your trip for 12 popular currencies.
- Use the YouTrip Mastercard overseas for shopping, dining, and transport — it’ll automatically deduct from the right currency wallet or auto-convert SGD at wholesale rates.
- Withdraw cash overseas (free up to S$400/month with a 2% fee imposed thereafter).
- Avoid DCC by always choosing to pay in the local currency.
📖 Check out this Revolut Vs YouTrip Singapore Comparison
Miles Card vs YouTrip: Real Savings Calculator
Scenario: Spending S$3,000 on a 2-week Japan trip
With UOB PRVI Miles (2.4 mpd overseas):
- Miles earned: 7,200 miles (worth ~S$90 in flight value)
- FX fees paid: S$97.50 (3.25%)
- Net value: -S$7.50
With YouTrip:
- Miles earned: 0
- FX fees paid: S$0
- Net savings: +S$97.50
Verdict: YouTrip saves S$105 more on this trip. Miles cards work better for large flight bookings (S$5,000+) where earn rates shine.
Tips to Maximise Your Miles Credit Card
Want to squeeze every last mile out of your card? Here are some insider strategies:
1. Stack cards strategically: Use your miles card for flights and hotels where earn rates are highest, then switch to YouTrip for everyday overseas spending (meals, transport, shopping) to avoid FX fees. The savings from 0% FX fees often outweigh the miles you’d earn.
2. Time your applications wisely: Apply for miles cards 2-3 months before a big trip. You’ll hit the minimum spend requirement naturally and unlock welcome bonuses right when you need them most.
3. Pay attention to bonus categories: Cards like UOB PRVI Miles give up to 8 mpd on Agoda bookings. Always check if your card offers accelerated earn rates for online travel agencies, dining, or specific regions.
4. Don’t let miles expire: Set calendar reminders 3 months before expiry dates. For cards with expiring miles (like UOB PRVI Miles), even a small transaction can extend the validity period. Better yet, choose Citi PremierMiles or DBS Altitude if you’re a slow earner.
5. Optimise lounge access: Most cards give 2-4 free visits annually. Don’t waste them on short regional flights — save them for long-haul trips or lengthy layovers where lounge perks (food, showers, WiFi) add real value.
6. Track transfer ratios: Not all transfer partners offer 1:1 conversions. Some airlines like Singapore Airlines KrisFlyer accept direct transfers, while others may have different ratios. Check before you convert.
7. Avoid paying annual fees twice: Many cards waive the first year’s fee or offer bonus miles on renewal. Calculate if the renewal miles justify the S$196-262 fee — if not, consider downgrading or cancelling before the anniversary.
8. Mind the minimum spend caps: Some bonus earn rates have monthly spending caps (e.g., first S$10,000 only). Once you hit the cap, earning rates drop significantly. Know your limits.
9. Always decline DCC (Dynamic Currency Conversion): When paying overseas, merchants may offer to charge you in SGD instead of local currency. Always say no — DCC rates are terrible, and you’ll pay double fees (their markup + your card’s FX fee).
10. Combine with YouTrip for the ultimate travel setup: Use your miles card for big-ticket items (flights, hotels) to rack up points, then use YouTrip for everything else overseas to save 3.25% in FX fees. This hybrid approach maximises rewards while minimising costs.
Common Mistakes to Avoid with Miles Cards
- ❌ Mistake 1: Ignoring FX fees on small purchases – Paying 3.25% FX fees on a S$5 coffee = S$0.16 fee for just 0.12 miles earned (worth S$0.01). You lose S$0.15 per transaction. Use YouTrip for daily expenses instead.
- ❌ Mistake 2: Letting miles expire – Over 30% of miles earned in Singapore expire unused. Set reminders 90 days before expiry or choose Citi PremierMiles/DBS Altitude with no expiry.
- ❌ Mistake 3: Not comparing transfer ratios – Some cards transfer to airlines at 2:1 or 3:1 ratios (2-3 credit card miles = 1 airline mile). Always check the ratio before transferring.
- ❌ Mistake 4: Paying annual fees without using the card – If you spend less than S$15,000/year, free cashback cards often give better value than miles cards with S$196-262 annual fees.
- ❌ Mistake 5: Accepting Dynamic Currency Conversion (DCC) – DCC can cost you an additional 3-7% on top of the 3.25% FX fee. Always pay in local currency, never SGD when overseas.
FAQs: Best Miles Card Singapore
Q: Which is the best miles credit card in Singapore?
The best miles card depends on your spending:
- DBS Altitude: Best for beginners (simple structure, non-expiring miles)
- UOB PRVI Miles: Best for frequent SEA travellers (up to 3 mpd in Malaysia, Thailand, Vietnam, Indonesia)
- HSBC TravelOne: Best for transfer flexibility (15+ airline partners)
- Citi PremierMiles: Best for non-expiring miles
Q: How many miles do you need for a free flight?
- Singapore to Bangkok: 15,000-20,000 miles (economy)
- Singapore to Tokyo: 30,000-35,000 miles (economy)
- Singapore to London: 50,000-80,000 miles (economy)
Example: Spending S$15,000 overseas on UOB PRVI Miles (2.4 mpd) = 36,000 miles = 1 free Japan flight.
Q: Do miles credit cards charge foreign transaction fees?
Yes, all Singapore miles cards charge approximately 3.25% FX fees on overseas spending. On a S$3,000 overseas trip, you pay ~S$97.50 in fees. YouTrip charges 0% FX fees as an alternative.
Q: Can foreigners apply for miles credit cards in Singapore?
Yes, but minimum income requirements are higher:
- DBS Altitude: S$45,000
- UOB PRVI Miles: S$40,000
- HSBC TravelOne: S$65,000
- Citi PremierMiles: S$42,000
Q: Do miles expire?
- Never expire: Citi PremierMiles, DBS Altitude
- 36-37 months: HSBC TravelOne
- Up to 27 months: UOB PRVI Miles (2 years from the end of the earning quarter)
Q: Which miles card has the lowest annual fee?
Three cards tie at S$196.20/year: HSBC TravelOne, Citi PremierMiles, and DBS Altitude. UOB PRVI Miles costs S$261.60 but offers higher earn rates to offset the difference.
Q: Should I get a miles card or YouTrip?
Get both. Use miles cards for large flight/hotel bookings where earn rates are high. Use YouTrip for daily overseas spending (meals, transport, shopping) to avoid 3.25% FX fees. This hybrid strategy maximises rewards while minimising costs.
Q: How do I redeem miles for flights?
- Transfer miles from your credit card to an airline loyalty program (KrisFlyer, Asia Miles, etc.)
- Log into airline website
- Search for award flights
- Book using miles + taxes/fees
Note: Taxes and fees (S$50-300) still apply to “free” award flights.
Q: Which miles card gives the best exchange rate?
All credit cards charge ~3.25% FX markup. For the best exchange rates, use YouTrip, which uses wholesale Mastercard rates with 0% markup, saving you 3.25% on every transaction.
The Best Travel Wallet Might Not Be A Credit Card
While some travellers chase miles, others choose to chase savings. The best miles credit card may help you earn rewards, but the best travel wallet (like YouTrip) helps you keep more money in your pocket.
Not a YouTrooper yet? Singapore’s go-to multi-currency wallet helps you save with great FX rates and zero fees. Skip the money changer and get a free YouTrip card + S$5 YouTrip credits with code <YTBLOG5>.
Then, head over to our YouTrip Perks page for exclusive offers and promotions — we promise you won’t regret it. Join our Telegram (@YouTripSG) and Community Group (@YouTripSquad) for travel tips, event invites, and more!
Happy travels!
Related Articles:
Best Singapore Credit Card For Overseas Spending
SGD To MYR Rate Today: Best Exchange Rates, Forecast & Where to Change Money
Money Changer Near Me: 14 Best Money Changers In Singapore
Best DBS Miles Credit Cards In Singapore
