Earn more miles on every dollar — if you pick the right card

Not all miles cards are built the same. The difference between a 1.2 mpd card and a 2.4 mpd card on a S$5,000 trip is thousands of miles: enough for a short-haul redemption. But earn rates are only part of the equation. Annual fees, miles expiry, transfer partners, and FX fees all affect whether a miles card actually delivers.

This guide covers the 9 best miles credit cards in Singapore for 2026: what each card is genuinely good for, who should skip it, and how to build a setup that gets you to your next flight faster.

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⚡️ TL;DR: Best Miles Cards at a Glance

Card	Best For	Local	Overseas	Annual Fee	Miles Expiry	FX Fee
Citi PremierMiles	Overall versatility	1.2 mpd	2.2 mpd	S$196.20	Never	3.25%
UOB PRVI Miles	Highest overseas earn rate	1.4 mpd	2.4 mpd	S$261.60	3 years (KrisFlyer)	3.25%
HSBC TravelOne	Most transfer partners	1.2 mpd	2.4 mpd	S$196.20	Varies by partner	3.25%
DBS Altitude	Beginners, permanent points	1.3 mpd	2.2 mpd	S$196.20	Never	3.25%
OCBC 90°N	No expiry, flat S$25 transfer fee	1.3 mpd	2.1 mpd	S$196.20	Never	3.25%
HSBC Revolution	Best no-fee miles card	4 mpd‡	4 mpd‡	Free	37 months	3.25%
KrisFlyer UOB	SIA loyalists	3 mpd‡	1.2 mpd	S$196.20	3 years	3.25%
Amex KrisFlyer	SIA direct + Grab	1.1 mpd	1.1 mpd	S$179.85	3 years	3.25%
SC Journey	Online spend earners	1.2 mpd	2 mpd	S$196.20	3 years	3.25%
YouTrip	Competitive wholesale exchange rates with zero FX fees	—	—	Free	N/A	0%

*HSBC Revolution 4 mpd applies to eligible online and contactless spend only. Base rate is 0.4 mpd on all other spend.

‡KrisFlyer UOB earns 3 mpd on SIA/Scoot/KrisShop/Pelago; 2.4 mpd on dining, food delivery, online shopping, and transport (requires S$1,000 SIA/Scoot spend/year to unlock); 1.2 mpd on all other spend. 

†YouTrip doesn’t earn miles — it eliminates the 3.25% FX fee that all miles cards charge on overseas spend. Use it alongside your miles card for overseas transactions.

📌 Table of Contents:

1. How We Ranked These Cards
2. How Miles Cards Work
3. Entry-Level vs Premium Miles Cards
4. Best Miles Card by Spend Category
5. How to Choose the Best Miles Card
6. The 9 Best Miles Cards in Singapore
7. Transfer Partners Compared
8. YouTrip vs Miles Cards
9. Tips to Maximise Your Miles
10. Common Mistakes to Avoid
11. Verdict
12. FAQs

How We Ranked These Cards

Six criteria: earn rate (local and overseas), annual fee value, miles expiry policy, transfer partner flexibility, FX fee on overseas spend, and income requirement. No composite score — each card is ranked for what it genuinely does best, not an average across all criteria.

YouTrip isn’t a miles credit card and doesn’t try to be. It’s included because it solves the FX fee problem that every card on this list creates the moment you step off the plane.

Data accurate as of May 2026. Card terms change frequently — verify with the issuer before applying.

How Miles Cards Work

A miles credit card earns air miles (or points that convert to miles) on every dollar you spend. Those miles can then be redeemed for flights, upgrades, or hotel stays through an airline’s frequent flyer programme.

The key numbers to understand:

• Miles per dollar (mpd): How many miles you earn per S$1 spent. Higher is better.
• Local vs overseas rate: Most cards earn more miles on overseas spend.
• Transfer partners: The airlines and hotels you can move your points to. More partners = more flexibility.
• Miles expiry: How long before your miles disappear? Never-expiring miles (Citi, DBS, OCBC 90°N) are a significant advantage for casual earners.
• FX fee: Every Singapore credit card charges up to 3.50% on overseas transactions. This erodes the value of overseas miles earn. Factor it in.

How many miles do you need for a one-way flight?

Route	Economy Saver Award	Business Saver Award
Singapore–KL	~8,000 miles	~22,000 miles
Singapore–Bangkok	~13,000 miles	~25,000 miles
Singapore–Tokyo	~25,500 miles	~54,500 miles
Singapore–London	~44,000 miles	~108,500 miles

📖 Related Guide: YouTrip vs Credit Cards: Which Is Better for Overseas Spending?

Entry-Level vs Premium Miles Cards

Not every miles card requires the same commitment. Before comparing earn rates, figure out which tier suits your spending.

Entry-Level (Annual Fee: Free–S$196)

Good for: First-time miles earners, moderate spenders, or anyone who wants to test the water without a high annual fee commitment.

• HSBC Revolution — permanently free, 4 mpd on online and contactless spend
• AMEX KrisFlyer — S$179.85/year, direct KrisFlyer earn with no transfer step
• DBS Altitude — S$196.20/year, permanent points, solid beginner card
• Citi PremierMiles — S$196.20/year, miles never expire, 11 transfer partners
• OCBC 90°N — S$196.20/year, miles never expire, flat S$25 transfer fee
• SC Journey — S$196.20/year, 3 mpd on online spend categories

Premium (Annual Fee: S$261+)

Good for: Frequent travellers who spend S$30,000+ a year overseas and want lounge access plus the highest earn rates.

• UOB PRVI Miles — S$261.60/year, 2.4 mpd overseas, 4 lounge visits
• HSBC TravelOne — S$196.20/year (waived at S$25,000 spend), 2.4 mpd overseas, 4 lounge visits, 20+ transfer partners

📖 Related Guide: YouTrip Exchange Rates: Everything You Need to Know

Best Miles Card by Spend Category

Spend Category	Best Card	Why
Everyday online & contactless	HSBC Revolution	4 mpd permanently, no annual fee
Overseas spend (general)	UOB PRVI Miles or HSBC TravelOne	2.4 mpd — highest standard overseas rate
Agoda hotel bookings	OCBC 90°N	7 mpd on Agoda
Singapore Airlines flights	AMEX KrisFlyer or KrisFlyer UOB	Direct KrisFlyer earn at 2 mpd on SIA/Scoot
Regional SEA travel (MY, TH, VN, ID)	UOB PRVI Miles	3 mpd in SEA countries
Online transport, groceries & food delivery	SC Journey	3 mpd on these categories (capped S$1,000/month)
Building miles without annual fee	HSBC Revolution	Permanent 4 mpd, free forever
Flexible redemption (most partners)	HSBC TravelOne	20+ airline and hotel partners
Never-expiring miles	Citi PremierMiles, DBS Altitude, or OCBC 90°N	Points never expire (KrisFlyer transfers at 1:1 for OCBC 90°N)

📖 Related Guide: Best Singapore Credit Card: Miles, Cashback & Travel Compared

How to Choose the Best Miles Card

Miles vs Cashback: The Core Decision

A miles card makes sense if you travel at least twice a year and are patient enough to accumulate. The real value unlocks when you redeem for business or first class: economy redemptions yield roughly 1.5 cents per mile, but premium cabin redemptions can hit 4–6 cents per mile.

If you want guaranteed, immediate returns with no expiry and no redemption complexity, cashback is simpler.

Key Factors to Compare

• Earn rate: Local rates matter for day-to-day spending; overseas rates matter for trips. Category-specific rates (dining, transport, online) matter if you want to maximise specific habits.
  
• Miles expiry: If you’re a slow accumulator, never-expiring miles (Citi, DBS, OCBC 90°N) protect you from losing points before you can redeem them.
  
• Annual fee vs benefits: Work out whether the card pays for itself. A S$196.20 annual fee is justified if you get 10,000 renewal miles (worth ~S$150 at 1.5 cents/mile) plus lounge visits. That’s only true if you actually use those benefits.
  
• Transfer partners: The more partners a card offers, the more flexibility you have. HSBC TravelOne leads with 20+ partners, including KrisFlyer, Avios, Emirates Skywards, and Marriott Bonvoy.
  
• FX fees: All Singapore credit cards charge up to 3.50% on overseas transactions. On a S$5,000 trip, that’s S$162.50 in fees. Miles earned overseas partially offset this, but not always fully. Factor it in.
  
• Minimum income: Most travel cards require S$30,000/year. HSBC Revolution requires S$65,000. YouTrip has no income requirement at all.

Which Miles Credit Cards Include Airport Lounge Access?

If lounge access is a priority, four cards on this list include it:

Card	Lounge Visits	Notes
UOB PRVI Miles	4 Priority Pass visits/year	Most generous on this list
HSBC TravelOne	4 Priority Pass visits/year	Guest-shareable
Citi PremierMiles	2 Priority Pass visits/year	Standard entry benefit
DBS Altitude	2 Priority Pass visits/year	Included from first year

HSBC Revolution, OCBC 90°N, KrisFlyer UOB, Amex KrisFlyer, and SC Journey have no lounge access on their base cards.

📖 Related Guide: 7 Best Multi-Currency Cards in Singapore

The 9 Best Miles Cards in Singapore

1. Citi PremierMiles — Best Overall Miles Card

Best for: Versatile miles earning with no expiry and the widest transfer network.

Image Credits: MoneySmart

The Citi PremierMiles is the default recommendation for most Singaporeans new to miles, and with good reason. It earns 1.2 mpd locally and 2.2 mpd overseas, with Citi Miles that never expire. That matters if you’re building slowly towards a redemption. The card also offers 11 transfer partners and 2 complimentary Priority Pass lounge visits per year.

From 1 April 2026, Citi ended complimentary travel insurance for new purchases. Worth noting if travel insurance was part of your reason to hold this card.

Feature	Details
Local earn rate	1.2 mpd
Overseas earn rate	2.2 mpd
Bonus earn	Up to 10 mpd on selected online travel bookings (till 31 Dec 2026)
Miles expiry	Never
Transfer partners	11 airlines & hotels (KrisFlyer, Asia Miles, Qantas, Virgin Atlantic, and more)
Lounge access	2 Priority Pass visits/year
Annual fee	S$196.20 (1st year free; 10,000 renewal miles)
FX fee	3.25%
Min. income	S$30,000 (SG/PR); S$42,000 (foreigners)

Pros:

• Miles never expire (no pressure to rush a redemption)
• Widest transfer partner network among standard travel cards (11)
• 2 lounge visits per year included
• 10,000 renewal miles partially offset the annual fee (~S$150 value)

Cons:

• 3.25% FX fee on all overseas transactions
• Overseas earn rate (2.2 mpd) is matched by several competitors
• Travel insurance removed from April 2026

Should you get this? Only if you want a reliable all-rounder with flexible redemption options and no expiry pressure. It’s not the highest earner, but it’s the easiest to use well.

📖 Related Guide: Citi PremierMiles Card: Guide to Benefits, Fees & Rewards

2. UOB PRVI Miles — Best for Frequent Travellers

Best for: High spenders who travel regularly and want the highest overseas earn rate.

Image Credits: UOB Singapore

The UOB PRVI Miles earns 1.4 mpd locally and 2.4 mpd overseas, the highest standard overseas rate among Singapore’s major travel cards. Regional travellers get an even better deal: 3 mpd in Malaysia, Indonesia, Thailand, and Vietnam. Book via Agoda or Expedia through UOB’s travel portals and that jumps to 8 mpd. Four lounge visits per year come included.

The trade-off is the highest annual fee on this list (S$261.60), waived only at S$50,000/year spend, and miles expire after 3 years once transferred to KrisFlyer.

Feature	Details
Local earn rate	1.4 mpd
Overseas earn rate	2.4 mpd
Regional earn rate	3 mpd (MY, ID, TH, VN)
Portal earn rate	8 mpd on Agoda/Expedia via UOB Travel
Miles expiry	3 years (KrisFlyer from transfer date)
Transfer partners	KrisFlyer, Asia Miles, Enrich, Royal Orchid Plus, and more
Lounge access	4 Priority Pass visits/year
Annual fee	S$261.60 (1st year free; waived at S$50,000/year spend)
FX fee	3.25%
Min. income	S$30,000 (SG/PR); S$40,000 (foreigners)

Pros:

• Highest overseas earn rate (2.4 mpd) among standard cards
• 3 mpd on SEA regional spend (strong for KL, Bangkok, and Bali regulars)
• 4 lounge visits per year, the most generous on this list
• 8 mpd on Agoda/Expedia via UOB portal

Cons:

• Highest annual fee (S$261.60); waived only at S$50,000/year spend
• Miles expire after 3 years in KrisFlyer
• 3.25% FX fee still applies

Should you get this? Only if you spend heavily overseas (S$50,000+ a year to waive the fee, or S$30,000+ to justify it) and want maximum miles per dollar. Not worth the fee for light or occasional travellers.

📖 Related Guide: UOB PRVI Miles Card Guide: Benefits, Fees & Rewards

3. HSBC TravelOne — Best for Transfer Partner Flexibility

Best for: Travellers who want the widest redemption options and shareable lounge access.

Image Credits: HSBC Singapore

The HSBC TravelOne earns 1.2 mpd locally and 2.4 mpd overseas, matching UOB PRVI Miles on the overseas rate. Where it stands out is transfer partners: 20+ airlines and hotels, including KrisFlyer, Asia Miles, Avios, Emirates Skywards, Qatar Privilege Club, IHG Rewards, and Marriott Bonvoy. That’s the widest partner network of any Singapore card. Transfers are instant, and 4 lounge visits per year are guest-shareable.

The annual fee (S$196.20) is waived if you spend S$25,000 or more per year. Renewal brings 12,000 bonus miles from 1 January 2026 onwards.

Feature	Details
Local earn rate	1.2 mpd
Overseas earn rate	2.4 mpd
Miles expiry	Varies by transfer partner
Transfer partners	20+ airlines & hotels (widest in Singapore)
Lounge access	4 visits/year — guest-shareable
Annual fee	S$196.20 (waived at S$25,000/year spend; 12,000 renewal miles)
FX fee	3.25%
Min. income	S$30,000 (with S$50,000+ HSBC TRB); S$65,000 (new applicants and foreigners)

Pros:

• 20+ transfer partners, more redemption options than any other Singapore card
• 4 guest-shareable lounge visits per year
• Instant point transfers with no waiting period
• Annual fee waived at S$25,000 annual spend
• Travel insurance up to S$150,000 when full airfare charged to card

Cons:

• 3.25% FX fee on overseas spend
• Higher income requirement for new applicants (S$65,000)
• Local earn rate (1.2 mpd) is on the lower end

Should you get this? Only if you want the flexibility to redeem across multiple airlines and hotels, or if you travel with a companion and value sharing lounge visits. The income requirement catches some applicants out, so check before applying.

📖 Related Guide: HSBC TravelOne Card: Guide to Fees, Miles & Benefits

4. DBS Altitude — Best for Beginners

Best for: First-time miles card holders who want permanent points with no expiry pressure.

Image Credits: AK Credit

The DBS Altitude earns 1.3 mpd locally and 2.2 mpd overseas, with DBS Points that never expire. It’s the most beginner-friendly card on this list: straightforward earn, no complex tiers, and a solid integration with the DBS ecosystem. Two complimentary Priority Pass lounge visits come included.

One change to note: from 1 August 2026, the automatic annual fee waiver for S$25,000+ spend is discontinued. From that date, the card costs S$196.20/year unless you pay and take the 10,000 renewal miles.

Feature	Details
Local earn rate	1.3 mpd
Overseas earn rate	2.2 mpd
Miles expiry	Never (DBS Points permanent)
Transfer partners	10+ including KrisFlyer, Asia Miles, Emirates Skywards, Virgin Atlantic
Lounge access	2 Priority Pass visits/year
Annual fee	S$196.20 (1st year free; spend-waiver ends Aug 2026; 10,000 renewal miles)
FX fee	3.25%
Min. income	S$30,000 (SG/PR ≤55); S$15,000 (SG/PR 56+); S$45,000 (foreigners)

Pros:

• DBS Points never expire (ideal for slow accumulators)
• Lower income requirement for Singaporeans/PRs aged 56+ (S$15,000)
• 2 lounge visits per year
• 10,000 renewal miles partially offset the annual fee

Cons:

• Earn rates (1.3/2.2 mpd) are not class-leading
• Spend-based annual fee waiver ending August 2026
• 3.25% FX fee still applies

Should you get this? For beginners, or for older Singaporeans who benefit from the lower income threshold. If you’re comfortable with miles cards already and want higher earn rates, look at Citi PremierMiles or UOB PRVI Miles.

📖 Related Guide: DBS Altitude Card Guide: Miles, Benefits, Lounge Access & Fees

5. OCBC 90°N — Best for No-Expiry Miles and Flat Transfer Fee

Best for: Agoda users and slow accumulators who never want expiry pressure.

Image Credits: Mainly Miles

The OCBC 90°N earns 1.3 mpd locally and 2.1 mpd overseas, with 90°N Miles that never expire. Transfers to airline partners cost a flat S$25 per conversion, same as most competitors. The card earns 7 mpd on Agoda bookings, making it a strong pick for hotel-heavy travellers on that platform. Primary transfer partner is KrisFlyer (1:1 ratio); Asia Miles transfers carry a 25% haircut (750 Asia Miles per 1,000 90°N Miles).

Annual fee waiver requires S$10,000 in spend per year. Renewal brings 10,000 bonus miles.

Feature	Details
Local earn rate	1.3 mpd
Overseas earn rate	2.1 mpd
Agoda earn rate	7 mpd
Miles expiry	Never
Transfer fees	S$25 flat (KrisFlyer 1:1; Asia Miles at 25% haircut)
Lounge access	None
Annual fee	S$196.20 (1st year free; waived at S$10,000/year spend; 10,000 renewal miles)
FX fee	3.25%
Min. income	S$30,000 (SG/PR ≤54); S$15,000 (SG/PR 55+); S$45,000 (foreigners)

Pros:

• Miles never expire (zero expiry pressure)
• Flat S$25 transfer fee to KrisFlyer at 1:1, no haircut on the primary partner
• 7 mpd on Agoda bookings, the best hotel earn rate on this list
• Annual fee waived at a relatively low S$10,000 spend threshold

Cons:

• Lowest overseas earn rate on this list (2.1 mpd)
• No lounge access
• 3.25% FX fee on all overseas transactions

Should you get this? Only if you book hotels frequently on Agoda and want miles that never expire. The S$25 transfer fee is standard; the 1:1 KrisFlyer conversion rate is the real advantage. Not the best card if lounge access is important to you.

📖 Related Guide: OCBC 90°N Card Review: Miles, Lounge Access & Is It Worth It?

6. HSBC Revolution — Best No-Annual-Fee Miles Card

Best for: High-income earners or existing HSBC customers who want strong miles earning with zero annual fee.

Image Credits: HSBC Singapore

The HSBC Revolution permanently earns 4 mpd on all eligible online and contactless spend (dining, groceries, shopping, ride-hailing, and food delivery) from 1 April 2026, with the annual fee permanently waived. HSBC Everyday Global Account holders with a S$50,000 balance get an enhanced rate of 8 mpd on the same categories — the highest standard earn rate of any Singapore miles card. For everyone else, the standard 4 mpd still matches or beats cards costing S$196–S$261 per year.

There’s a monthly bonus points cap (9,000 bonus points / S$1,000 eligible spend at the standard tier; 22,800 bonus points / S$1,200 at the enhanced tier), and points expire after 37 months. It doesn’t earn miles on overseas in-person spend; only online transactions and contactless payments qualify. The catch: since October 2025, HSBC requires S$65,000 minimum income to apply, unless you hold S$50,000+ across HSBC products.

Feature	Details
Standard earn rate	4 mpd on online & contactless spend
Enhanced earn rate	8 mpd (with S$50,000+ HSBC Everyday Global Account balance)
Base earn rate	0.4 mpd on all other spend
Monthly earn cap	9,000 bonus points / S$1,000 eligible spend (standard); 22,800 (enhanced)
Miles expiry	37 months from earning
Lounge access	None
Annual fee	Free (permanently waived from April 2026)
FX fee	3.25%
Min. income	S$65,000 (or S$30,000 with S$50k deposit)

Pros:

• 4 mpd on everyday spend with no annual fee
• 8 mpd for HSBC EGA holders — the highest earn rate on any Singapore miles card
• Upgraded to Visa Signature with reinstated travel insurance from April 2026
• Earns miles on dining, groceries, transport apps, and online shopping

Cons:

• High income requirement: S$65,000 for most new applicants (not accessible to everyone)
• 37-month points expiry (shorter than never-expiring alternatives)
• Monthly earn cap limits heavy spenders
• Base rate drops to 0.4 mpd on non-eligible spend
• 3.25% FX fee on overseas transactions

Should you get this? Only if you qualify. The card is genuinely excellent, but the S$65,000 income requirement (hiked in 2025) means it’s no longer the accessible entry-level card it once was. If you don’t meet that threshold and don’t hold S$50,000+ with HSBC, Citi PremierMiles, or DBS Altitude are better starting points at S$30,000 income. If you do qualify, it’s worth having as a companion card for local spend. 4 mpd for free is hard to beat, and 8 mpd if you’re an EGA holder is exceptional.

📖 Related Guide: HSBC Revolution Card Singapore: Benefits, Fees, Rewards

7. KrisFlyer UOB — Best for Singapore Airlines Loyalists

Best for: Frequent SIA/Scoot flyers who want direct KrisFlyer earn without a transfer step.

Image Credits: UOB

The KrisFlyer UOB card earns miles directly into your KrisFlyer account, with no points pool and no transfer required. On Singapore Airlines, Scoot, KrisShop, and Pelago purchases, it earns 3 mpd. On dining, food delivery, online shopping, and transport, it earns 2.4 mpd — but only if you spend at least S$1,000/year on SIA or Scoot to unlock the bonus tier. Without that threshold, the base earn rate on all non-SIA spend is 1.2 mpd. 

Note: a June 2025 update reduced the bonus category earn from 3 mpd to 2.4 mpd (the additional component dropped from 1.8 mpd to 1.2 mpd on top of the 1.2 mpd base).

Update (20 May 2026): UOB discontinued the KrisFlyer Miles Auto-Conversion Programme effective 20 May 2026, which previously automatically swept miles into your KrisFlyer account. Check current redemption mechanics directly with UOB before applying.

Feature	Details
SIA/Scoot/KrisShop earn rate	3 mpd (direct KrisFlyer)
Bonus category earn rate	2.4 mpd (dining, food delivery, online shopping, transport — requires S$1,000 SIA/Scoot spend/year)
Base earn rate	1.2 mpd (all other spend)
Miles expiry	3 years from earning
Lounge access	None (base card)
Annual fee	S$196.20 (1st year free; 10,000 renewal miles)
FX fee	3.25%
Min. income	S$30,000 (SG/PR)

Pros:

• Miles credited directly to KrisFlyer, no transfer step or transfer fee
• 3 mpd on SIA, Scoot, KrisShop, and Pelago
• 10,000 renewal miles offset the annual fee partially

Cons:

• Bonus earn rate (2.4 mpd on dining, food delivery, online shopping, transport) requires S$1,000 SIA/Scoot spend per year to activate — drops to 1.2 mpd without it
• Miles expire after 3 years
• Auto-Conversion Programme discontinued 20 May 2026 — verify current redemption mechanics with UOB
• No lounge access on the base card
• 3.25% FX fee applies

Should you get this? Only if you fly SIA or Scoot regularly — the 3 mpd on SIA Group spend is genuinely strong. But if you don’t fly SIA enough to hit S$1,000/year on SIA or Scoot, the bonus 2.4 mpd never activates — and 1.2 mpd on everything else makes it hard to justify over Citi PremierMiles or HSBC TravelOne.

📖 Related Guide: KrisFlyer UOB Credit Card Review: Miles, Fees, Benefits

8. AMEX KrisFlyer — Best for Direct KrisFlyer Earn on Everyday Spend

Best for: SIA loyalists who want miles to flow directly to KrisFlyer without any transfer step.

Image Credits: American Express

The AMEX KrisFlyer earns 1.1 mpd on local and overseas spend, 2 mpd on Singapore Airlines, Scoot, KrisShop, and Pelago purchases, and 2 mpd on Grab transactions (capped at S$200/month). Miles are credited directly to your KrisFlyer account, with no points conversion and no waiting. Annual fee is S$179.85 (lowest on this list after HSBC Revolution), waived in year one, with 10,000 renewal miles from year two.

The base earn rate (1.1 mpd) is the weakest on this list for everyday spend. This card earns its place by being the cleanest, simplest direct KrisFlyer product at the entry level.

Feature	Details
Local earn rate	1.1 mpd
Overseas earn rate	1.1 mpd
SIA/Scoot/KrisShop/Pelago	2 mpd (direct KrisFlyer, no cap)
Grab earn rate	2 mpd (capped at S$200/month)
Miles expiry	3 years (KrisFlyer policy)
Lounge access	None
Annual fee	S$179.85 (1st year free; 10,000 renewal miles)
FX fee	3.25%
Min. income	S$30,000 (SG/PR)

Pros:

• Direct KrisFlyer earn, no transfer step ever
• Lowest paid annual fee on this list (S$179.85)
• 2 mpd on all SIA Group purchases with no cap

Cons:

• Base earn rate (1.1 mpd) is the weakest on this list
• Miles expire after 3 years
• No lounge access
• 3.25% FX fee (AMEX raised this from 2.95% in October 2023, so no longer cheaper than Visa/MC)
• AMEX acceptance is narrower than Visa/Mastercard in some overseas markets

Should you get this? Only if you fly SIA regularly and want the simplest possible direct-KrisFlyer product at an entry fee. Pair it with HSBC Revolution for everyday spend to cover both bases cheaply.

📖 Related Guide: American Express KrisFlyer Credit Card Review: Base vs Ascend — Which Is Worth It?

9. Standard Chartered Journey — Best for Online Spend Earners

Best for: Everyday online spenders who want strong category earn without a high annual fee.

Image Credits: Standard Chartered

The SC Journey earns 3 mpd on online transactions across transport (Grab, ComfortDelGro), groceries (FairPrice, RedMart), and food delivery (Deliveroo, foodpanda, GrabFood), capped at S$1,000/month in those categories. Overseas spend earns 2 mpd. Local non-category spend falls to 1.2 mpd.

There’s a unique first-year option: take 20,000 welcome miles with a fee waiver, or pay the S$196.20 fee and get the welcome bonus on top. From year two, paying the annual fee earns 10,000 renewal miles.

Feature	Details
Local earn rate	1.2 mpd
Online categories earn rate	3 mpd (transport, groceries, food delivery — capped S$1,000/month)
Overseas earn rate	2 mpd
Miles expiry	3 years
Lounge access	None on standard card
Annual fee	S$196.20 (optional first-year waiver with 20,000 welcome miles; 10,000 renewal miles from year 2)
FX fee	3.50%
Min. income	S$30,000 (SG/PR)

Pros:

• 3 mpd on transport, groceries, and food delivery (strong for Grab/FairPrice users)
• 2 mpd overseas, better than Citi PremierMiles and DBS Altitude on overseas spend
• Flexible first-year fee structure (waiver or bonus)
• 10,000 renewal miles from year two

Cons:

• 3 mpd capped at S$1,000/month in eligible categories
• Miles expire after 3 years
• No lounge access
• 3.50% FX fee on overseas spend

Should you get this? Only if you spend heavily on Grab, food delivery, and supermarkets and want to convert that into miles. A strong secondary card for everyday local spend, paired with a higher overseas earner for trips.

📖 Related Guide: Standard Chartered Journey Credit Card: Miles, Lounge Access & Is It Worth It?

Transfer Partners Compared

Where your points go determines their value. Here’s a quick reference across the 9 cards:

Card	Key Transfer Partners	Transfer Fee	Transfer Time
HSBC TravelOne	KrisFlyer, Asia Miles, Avios, Emirates Skywards, Qatar Privilege, IHG, Marriott Bonvoy, and 11+ more	None stated	Instant
Citi PremierMiles	KrisFlyer, Asia Miles, Qantas, Virgin Atlantic, Royal Orchid Plus, and 6+ more	S$27.25	1–3 days
UOB PRVI Miles	KrisFlyer, Asia Miles, Enrich, Royal Orchid Plus, and more	S$27	1–5 days
DBS Altitude	KrisFlyer, Asia Miles, Emirates Skywards, Virgin Atlantic, and more	S$27	1–3 days
OCBC 90°N	KrisFlyer (1:1), Asia Miles (25% haircut), and 7+ more	S$25	1–5 days
HSBC Revolution	KrisFlyer, Asia Miles, and others via HSBC rewards	Varies	1–3 days
KrisFlyer UOB	KrisFlyer (direct — no transfer)	None	Instant
AMEX KrisFlyer	KrisFlyer (direct — no transfer)	None	Instant
SC Journey	KrisFlyer, Asia Miles, and others via 360° Rewards	S$27.25	1–5 days

Which frequent flyer programme is worth building towards?

Programme	Best For	Miles Expiry	Strength
KrisFlyer (Singapore Airlines)	SE Asia and long-haul premium redemptions	3 years	Strong SE Asia network, Star Alliance
Asia Miles (Cathay Pacific)	Hong Kong hub, Oneworld partners	3 years	Good for Europe and US via QR/BA
Avios (British Airways)	Short-haul redemptions and Qatar Airways	3 years	Distance-based pricing favours short routes
KrisFlyer (via HSBC TravelOne)	Broadest access — transfer to whichever suits the trip	—	Flexibility without committing

📖 Related Guide: Best DBS Miles Credit Cards in Singapore: Altitude vs Woman’s World vs Vantage

YouTrip vs Miles Cards: Where Each One Actually Pays Off

Miles cards are great at home. Overseas, the maths turns on you.

Every credit card on this list charges 3.25% on overseas transactions. That sits on top of a bank FX rate that’s already worse than the real exchange rate. On a S$5,000 trip, that’s S$162.50 in fees before you earn a single mile.

What do you actually get back? Around 11,000 miles. Most travellers redeem economy at ~1.5 cents per mile, so that’s ~S$165 in value.

So your best case is paying S$162.50 in real fees today for ~S$165 in miles you’ll redeem a year or two from now.

You pay the fees today. The miles only pay off if you actually use them before they expire.

Verdict

YouTrip skips all of that.

No 3.25% fee. Wholesale Mastercard rates, so no hidden rate markup either. No annual fee. First S$400 in ATM withdrawals each calendar month is free.

On the same S$5,000 trip, you keep the full S$162.50. No redemption to chase, no miles to babysit, no programme devaluation to worry about. The savings are real, and they’re today.

So, where do miles cards still win?

Two places, both back in Singapore:

• Local SGD spending. Grab, groceries, dining, transport apps. Full earn rate, no FX penalty. This is what miles cards are built for.
• SGD-billed travel bookings. Flights, hotel packages, and travel platforms billed in SGD. No FX fee triggered. Big-ticket spend, meaningful miles earned.

The setup that works

Carry both. Use each one for its actual job:

• In Singapore and for SGD-billed bookings: miles card.
• The moment you land overseas: YouTrip. Every tap, swipe, and ATM withdrawal.

A miles card is a rewards tool. YouTrip is a travel card. Use each one for what it’s built for, and the savings actually compound.

📖 Related Guide: Best Citi Miles Credit Cards in Singapore: PremierMiles, Prestige, Rewards

Tips to Maximise Your Miles

• Stack sign-up bonuses: Most cards offer 10,000–30,000 bonus miles for meeting a minimum spend in the first few months. Applied to a holiday you were already planning, that’s a free short-haul ticket.
  
• Use the right card in the right place: Domestic spend? HSBC Revolution (4 mpd, free). SIA flights? AMEX KrisFlyer or KrisFlyer UOB (2 mpd direct). Agoda? OCBC 90°N (7 mpd). Overseas restaurants? Your overseas-rate card, but factor in the 3.50% FX fee.
  
• Watch your miles expiry: Citi, DBS, and OCBC 90°N miles never expire. KrisFlyer UOB, AMEX KrisFlyer, SC Journey, and UOB PRVI Miles points expire after 3 years. HSBC Revolution points expire after 37 months. Set a calendar reminder.
  
• Aim for premium cabin redemptions: The value gap between economy and business class redemptions is enormous. 67,500 KrisFlyer miles for a Singapore–London economy seat vs 127,500 miles for business. The business class ticket costs S$4,000+ in cash. At 1.5 cents/mile, economy gives you ~S$1,000 of value. At 4 cents/mile for business, the same 67,500 miles represents ~S$2,700 of value.
  
• Combine cards: No single card is best for every spend type. The most efficient setups pair a no-fee card (HSBC Revolution) for local everyday spend with a higher-tier card (UOB PRVI, HSBC TravelOne) for overseas spend.

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Common Mistakes to Avoid

• Accepting DCC (Dynamic Currency Conversion): When a terminal overseas asks if you want to pay in SGD, always say no. Choosing SGD lets the merchant set the rate, which is always worse than your card’s rate. Pay in the local currency every time.
  
• Ignoring the FX fee on overseas spend: Every miles card charges up to 3.50% on overseas transactions. On a S$10,000 trip, that’s S$325 in fees. Miles earned partially offset this, but not always fully, especially at 1.2–1.3 mpd rates. Use YouTrip for overseas spend to avoid this entirely.
  
• Not hitting spend requirements for bonus rates: KrisFlyer UOB requires S$1,000 in SIA/Scoot spend to unlock its 2.4 mpd category rate. SC Journey caps its 3 mpd at S$1,000/month. Know the requirements before assuming you’re earning the headline rate.
  
• Letting miles expire: Set a recurring calendar reminder 6 months before your miles are due to expire. A small transaction (a hotel stay, a shopping purchase) can reset the clock on some programmes.
  
• Ignoring the annual fee maths: A S$261.60 annual fee (UOB PRVI Miles) is only worth paying if you generate more than S$261.60 in miles value. At 2.4 mpd overseas and 1.5 cents/mile, you’d need roughly S$7,250 in overseas spend to break even on the fee. The waiver kicks in at S$50,000 spend, so most holders will simply be paying the fee.

📖 Related Guide: SGD To MYR Rate Today: Best Exchange Rates, Forecast & Where to Change Money

Verdict

• Best overall miles card: Citi PremierMiles. Miles never expire, 11 transfer partners, and 2 lounge visits. The reliable all-rounder.
  
• Best for frequent travellers: UOB PRVI Miles. Highest overseas earn rate (2.4 mpd), 4 lounge visits, and 3 mpd across SEA.
  
• Best for transfer flexibility: HSBC TravelOne. 20+ partners, instant transfers, guest-shareable lounge access.
  
• Best for beginners: DBS Altitude. Permanent points, no expiry pressure, lower income threshold for older Singaporeans.
  
• Best for no-fee miles: HSBC Revolution. Permanent 4 mpd on online and contactless spend, free forever.
  
• Best for SIA loyalists: AMEX KrisFlyer (entry) or KrisFlyer UOB (if you fly SIA 2–3x a year). Direct KrisFlyer earn with no transfer step.
  
• Best for online spend: SC Journey. 3 mpd on Grab, food delivery, and groceries.
  
• Best for never-expiring miles with Agoda bookings: OCBC 90°N. Miles never expire, 7 mpd on Agoda, and KrisFlyer transfers at 1:1 with a flat S$25 fee.

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FAQs:

The Best Miles Setup Doesn’t Have to Be Complicated

Pick the card that fits how you actually spend. One good miles card, used consistently, beats a complicated multi-card strategy that’s too fiddly to stick to.

And when you’re actually overseas, let YouTrip handle the spending. Zero FX fees, wholesale rates, and S$400 free ATM withdrawals monthly. Your miles go further because you’re not losing 3.25% on every transaction abroad.

Not a YouTrooper yet? 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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