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 credit cardcan make a huge difference. In this guide, we compare the best miles cards in Singapore — including UOB PRVI Miles, HSBC TravelOne, Citi PremierMiles, and DBS Altitude — covering earn rates, fees, lounge perks, and eligibility so you can pick the card that fits your travel style.
And if your priority is saving money overseas, not paying 3%+ FX fees, consider YouTrip, a multi-currency travel wallet with 0% FX fees.
Let’s get into it.
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⚡️ TL;DR: Best Miles Credit Card in Singapore (2026)
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.
| 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 | 2 years from the end of the quarter earned | 36-37 months | No expiry | No expiry |
mpd = miles per dollar
📖 Discover the Best Multi-Currency Cards In Singapore (2025): 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?
- 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
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
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
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
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
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*
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
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*
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*).
- Avoid DCC by always choosing to pay in the local currency.
📖 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 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!
FAQs: Best Miles Card Singapore 2026
Q1: Which is the best miles credit card in Singapore?
Depends on your travel style. UOB PRVI Miles is great for SEA trips, Citi PremierMiles for non-expiring miles, and DBS Altitude for beginners.
Q2: Do miles credit cards charge FX fees?
Yes, ~3.25% on overseas spend. YouTrip avoids this completely with zero FX fees.
Q3: Can foreigners apply for these miles credit cards?
Yes, but minimum income thresholds are higher (S$40k–S$60k depending on the card).
Q4: Are miles ever expiring?
Some cards like Citi PremierMiles & DBS Altitude have no expiry, while others like UOB PRVI Miles expire 2 years after earning.
Q5: Which miles credit card gives the best exchange rate?
Credit card exchange rates generally include a markup of around 2-3%. Consider YouTrip, which uses wholesale exchange rates without any added markups, to give you the most competitive rates.
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