Travel has always been a significant part of life for Singaporeans. Whether it is a quick weekend escape to Johor Bahru or an overseas adventure to Europe, having access to travel rewards can make every trip more rewarding. In Singapore, credit cards that offer air miles and travel benefits are increasingly popular, giving users the opportunity to accumulate rewards that can be redeemed for flights, hotel stays, and other travel perks. As we enter 2025, it is essential to understand which credit cards deliver the best value for miles and how to choose the one that suits your lifestyle.

This guide provides a detailed comparison of the best credit cards for miles in Singapore in 2025. It covers the top cards available, the rewards structure, annual fees, partner airlines, welcome offers, and other key benefits. It also includes tips on how to maximise miles and travel rewards while keeping your spending in check.

Overview of Travel Reward Credit Cards in Singapore

Credit cards that offer miles are designed for travellers who want to make the most of their spending. Every dollar spent contributes to earning air miles or reward points, which can later be converted into flights, hotel bookings, or travel-related services. In Singapore, these cards are tailored to different types of users, including frequent travellers, occasional holidaymakers, and those who prefer domestic travel.

In 2025, the market has expanded with banks offering flexible reward structures, bonus miles for selected categories, and collaborations with airlines. Some cards focus on maximising miles on overseas spending, while others offer strong earning rates for local retail, dining, and transport expenses. Singapore residents also benefit from partnerships with regional airlines such as Singapore Airlines, Scoot, and SilkAir, allowing points to be redeemed on popular routes across Asia, Europe, and the United States.

Top Credit Cards for Miles in Singapore 2025

The following are some of the best credit cards in Singapore for miles accumulation, selected based on miles earned per dollar spent, travel perks, and overall value for frequent travellers.

1. Singapore Airlines KrisFlyer Credit Card

The Singapore Airlines KrisFlyer Credit Card is a leading choice for frequent flyers who primarily travel with Singapore Airlines and its partner airlines. It offers a straightforward miles accumulation structure, with one mile earned for every dollar spent locally and two miles for every dollar spent overseas.

The card often comes with a welcome bonus, which may include several thousand KrisFlyer miles after meeting a minimum spending requirement within the first few months. Additional perks include priority check-in, access to selected airport lounges, and discounts on in-flight purchases. The annual fee is moderate, making it suitable for those who want to combine travel rewards with reasonable fees.

This card is particularly beneficial for residents who travel regularly on Singapore Airlines routes to Europe, the United States, or Southeast Asia, as miles can be redeemed efficiently through the airline’s extensive network.

2. Citi Rewards Card

The Citi Rewards Card is ideal for individuals who want a versatile card that earns points on both local and overseas spending. Although it is not airline-specific, points can be converted to various frequent flyer programmes, including KrisFlyer and Asia Miles.

Key advantages of this card include accelerated points for dining, online shopping, and entertainment. Many Singaporeans find it convenient for local lifestyle spending, such as meals at hawker centres, coffee shops, and retail purchases at malls like VivoCity or Marina Bay Sands. Points can then be converted to miles at competitive rates, making it an attractive option for flexible travellers who use multiple airlines.

The card often features a welcome promotion of bonus points for new cardholders and has no restrictions on overseas spending, which is ideal for those who travel frequently for work or leisure.

3. UOB PRVI Miles Card

The UOB PRVI Miles Card is tailored for high spenders seeking to maximise miles accumulation. It offers a high earning rate on overseas spending and provides bonus miles for local spending on dining, online shopping, and department stores. Cardholders also benefit from access to travel insurance coverage and exclusive promotions with airline partners.

One of the most attractive features of this card is its long-term rewards potential. While the annual fee is higher than entry-level cards, the bonus miles, coupled with periodic promotions, can make it a worthwhile investment for those planning frequent international trips.

4. American Express True Miles Card

American Express True Miles Card focuses on simplicity and consistency, making it appealing to users who prefer a straightforward rewards structure. Cardholders earn a fixed rate of miles for every dollar spent, with no restrictions on overseas or local transactions. The card also allows points to be transferred to major airline programmes including Singapore Airlines KrisFlyer, Cathay Pacific Asia Miles, and British Airways Avios.

Additional benefits include complimentary travel insurance and access to select airport lounges. While the annual fee is modest, the True Miles Card is best suited for travellers who value consistent accumulation and redemption flexibility.

5. DBS Altitude Visa Card

The DBS Altitude Visa Card is well regarded for its high miles earning rate on both local and overseas spending, particularly on online travel bookings and air tickets. Cardholders earn bonus miles for each dollar spent on flights and hotels, making it particularly advantageous for Singaporeans who book travel regularly.

The card also offers a welcome bonus and travel insurance coverage. Its strong partner network with airlines and hotel chains allows flexibility in redeeming rewards for both long-haul and short-haul travel.

Choosing the Right Card

Selecting the best credit card for miles requires careful consideration of your spending habits and travel goals. Here are some key factors to consider when making your choice:

1. Spending Patterns
Analyse where you spend most of your money. Some cards provide higher earning rates for overseas transactions, while others reward local spending in categories such as dining, entertainment, or transport. Choosing a card that matches your lifestyle maximises miles accumulation.

2. Preferred Airlines
If you frequently fly with a specific airline, selecting a co-branded credit card can increase the value of your miles and simplify redemption. For example, Singapore Airlines travellers will benefit from the KrisFlyer Credit Card, while those who often fly with other carriers may prefer a flexible card that transfers points to multiple frequent flyer programmes.

3. Annual Fees vs Rewards
Higher-tier cards may charge higher annual fees but offer greater earning potential and additional perks such as lounge access or travel insurance. Evaluate whether the rewards and benefits outweigh the cost of the annual fee. For infrequent travellers, a card with a lower fee and basic miles earning may be more suitable.

4. Welcome Offers and Promotions
Many cards offer introductory bonuses for new cardholders, often in the form of additional miles or points. Take advantage of these offers by planning your initial spending to meet the required threshold and maximise rewards.

5. Flexibility of Redemption
Consider how easily miles can be redeemed. Some cards are tied to specific airlines, while others allow transfers to multiple programmes. Flexibility is key if your travel plans vary or if you intend to use miles for a range of travel-related expenses.

Tips to Maximise Air Miles

Accumulating miles efficiently requires strategy and careful planning. Here are some tips for Singapore residents:

• Use your card for everyday expenses such as groceries, transport, dining, and online purchases to earn miles without additional effort.
• Take advantage of bonus categories offered by your card, for example, extra miles for overseas spending or online shopping.
• Plan large purchases or travel bookings strategically to coincide with promotions that provide additional miles.
• Combine your card with loyalty programmes such as KrisFlyer or Asia Miles to enhance rewards potential.
• Keep track of expiry dates for miles and points to ensure that you redeem them before they lapse.

Considerations for Singapore Residents

While travel credit cards offer attractive rewards, Singapore residents should also consider certain factors:

• Credit eligibility is subject to income and credit history, and some cards require higher income thresholds.
• Responsible use is crucial, as carrying balances can incur interest that outweighs rewards.
• Some redemption options may have blackout periods or restrictions, particularly for popular flight routes.
• Regulatory guidelines require transparent disclosure of fees, charges, and terms. Always read the card’s terms and conditions before applying.

Conclusion

In 2025, Singapore offers a rich selection of credit cards for travellers looking to earn air miles and enjoy travel benefits. Whether you are a frequent international flyer or an occasional holidaymaker, choosing the right card can significantly enhance your travel experience.

Cards such as the Singapore Airlines KrisFlyer Credit Card, Citi Rewards Card, UOB PRVI Miles Card, American Express True Miles Card, and DBS Altitude Visa Card provide various earning structures, partner networks, and perks tailored to different needs. By carefully analysing your spending habits, preferred airlines, and travel goals, you can select a card that maximises value and rewards.

With the right approach, everyday spending in Singapore can be transformed into miles that take you closer to your dream destinations, offering both convenience and significant travel benefits.