Looking for the best miles credit card in Singapore?
From generous welcome bonuses to airport lounge perks, we compare top cards like the UOB PRVI Miles, HSBC TravelOne, Citi PremierMiles, and DBS Altitude. Or, if you’re serious about saving on foreign exchange fees, consider using a multi-currency wallet like YouTrip!
Let’s dive in 👇
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📌 Table of Contents:
- Why use a Miles Credit Card for Overseas Spending?
- Quick Comparison: Best Miles Card 2025
- Best Miles Credit Card: Eligibility & Fees
- Best Miles Credit Cards In Singapore (2025)
- YouTrip vs Miles Credit Card – Which Is Better For Travel?
Why use a Miles Credit Card for Overseas Spending?
In a world of cashback and reward points, miles credit cards remain a top pick for frequent flyers. Every S$1 spent brings you closer to a free flight, seat upgrade, or airport lounge entry. As more Singaporeans plan revenge travel in 2025, choosing the best miles card can make all the difference in travel savings and luxury perks.
Quick Comparison: Best Miles Credit Card 2025
| Card | Local Spend | Overseas Spend | Lounge Access | Expiry |
|---|---|---|---|---|
| UOB PRVI Miles | 1.4 mpd | Up to 3.0 mpd | 4/year | 2 years from the end of the quarter earned |
| HSBC TravelOne | 1.2 mpd | 2.4 mpd | 4/year | 37 months |
| Citi PremierMiles | 1.2 mpd | 2.2 mpd | 2/year | No expiry |
| DBS Altitude | 1.3 mpd | 2.2 mpd | 2/year | No expiry |
mpd = miles per dollar
Best Miles Credit Card in Singapore (2025): The Ultimate Guide: Discover the Best Multi-Currency Cards In Singapore (2025): A Full Comparison Guide
Best Miles Credit Card: Eligibility & Fees
| Card | Annual Fee | FX Fees | Eligibility |
|---|---|---|---|
| UOB PRIVI Miles | S$261.60 | 3.25% | Singapore citizens & PR ✅ 55 years old & below: Min. annual income S$30,000 ✅ 56 years old & above: Min. annual income S$15,000 Foreigners ✅ Min. annual income S$40,000 |
| HSBC TravelOne | S$194.40 | 3.25% | Singapore citizens & PR ✅ 21 years old & above: Min. annual income S$30,000 Self-employed / commission-based Singaporean or PR ✅ Min. income S$40,000 Foreigners ✅ Min. annual income S$60,000 |
| Citi PremierMiles | $196.20 | 3.25% | Singapore citizens & PR ✅ 21 years old & above: Min. annual income S$30,000 Foreigners ✅ Min. annual income S$42,000 |
| DBS Altitude | S$196.20 | 3.25% | Singapore citizens & PR ✅ 55 years old & below: Min. annual income S$30,000 ✅ 56 years old & above: Min. annual income S$15,000 Foreigners ✅ Min. annual income S$45,000 |
| YouTrip | None | Zero FX Fees | ✅ At least 15 years old & above ✅ Has a valid Singaporean NRIC or FIN / Foreigners with a valid SingPass account ✅ No income requirement |
Note: When you’re travelling abroad, your foreign currency transactions can earn you more miles – but can also rack up FX fees. Most miles cards charge ~3.25% foreign transaction fees.
💡Pro Tip: Use a multi-currency card like YouTrip to avoid FX fees – more on this below!
Best Miles Credit Card in Singapore (2025): Trust Card Vs YouTrip – Which is the better card for overseas spending?
Best Miles Credit Cards In Singapore (2025):
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.
Key Perks:
- Up to 3 mpd on regional spend (MY, TH, VN, ID)
- 2.4 mpd on other foreign spend
- 1.4 mpd on local spend
- Up to 8 mpd on selected online travel bookings
- 4 complimentary lounge visits/year
Annual Fee: S$261.60
Minimum Income: S$30,000 (Singaporean), S$40,000 (Foreigner)
FX Fee:~3.25%
Best for: Frequent flyers who spend big in SEA or regularly book trips online.
Best Miles Credit Card in Singapore (2025): YouTrip vs Credit Cards: Which One’s Better for Travelling?
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.
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
Annual Fee: S$194.40
Minimum Income: S$30,000 (Singaporean), S$60,000 (Foreigner)
FX Fee: ~3.25%
Best for: Jetsetters who want flexibility and a wide redemption network.
Best Miles Credit Card in Singapore (2025): Check out this comparison article on YouTrip Vs iChange here
3. Citi PremierMiles Card
Image Credits: Bankmeister
Why it stands out: A reliable all-rounder, especially if you hate expiry deadlines.
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*
Annual Fee: S$196.20
Minimum Income: S$30,000 (Singaporean), S$42,000 (Foreigner)
FX Fee: ~3.25%
Best for: Gradual earners who value non-expiring miles.
Best Miles Credit Card in Singapore (2025): Check out this YouTrip Vs Wise Card Comparison Guide
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.
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*
Annual Fee: S$196.20
Minimum Income: S$30,000 (Singaporean), S$45,000 (Foreigner)
FX Fee: ~3.25%
Best for: First-time miles chasers who want solid rewards and peace of mind.
Best Miles Credit Card in Singapore (2025): Check out this YouTrip Vs Amaze Comparison In Malaysia
YouTrip vs Miles Credit Card – Which Is Better For Travel?
While miles cards reward you with free flights and perks, they also come with hidden costs – especially foreign exchange fees and interest charges if you forget to pay in full.
Enter YouTrip
If your main goal is to save more overseas, a traditional miles card might not be the most cost-effective option. All of the cards above charge FX fees of ~3.25% — which can quickly add up across meals, shopping, transport, and entry tickets.
YouTrip, on the other hand, is not a credit card — it’s a multi-currency travel wallet and card that helps you save more without the fuss.
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. While miles cards are useful for big-ticket bookings or high-mileage chasers, YouTrip is your go-to for daily overseas spending — from train tickets to bubble tea.
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*).
- Avoid DCC by always choosing to pay in the local currency.
Best Miles Credit Card in Singapore (2025): Check out this Revolut Vs YouTrip Singapore Comparison
The Best Travel Wallet Might Not Be A Credit Card
While some travellers chase miles, others choose to chase savings. The best travel 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!
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