If you’re a frequent traveller, you know how expensive flying to your favourite destinations can be. But what if we told you that you could earn miles with best card and redeem them for free flights, hotel stays, car rentals, and more?
With the right credit card, you can earn miles for every dollar you spend, and the best part is you don’t even have to fly to make them!
In this article, we’ll review and compare the top miles credit cards available in the UK so that you can choose the best one for your needs. We’ll also share tips on maximising your miles. Understand the fine print and leverage partnerships and programmes to get the most out of your credit card.
Whether you’re a seasoned traveller or just starting, this guide will help you earn miles and travel for less.
Key Takeaways
- Learn how to earn miles and redeem them for free travel with the right credit card.
- Review and compare the top miles credit cards available in the UK to choose the best one for your needs.
- Maximise your miles, understand the fine print, and leverage partnerships and programmes to get the most out of your credit card.
Earn Miles with Best Card: Why Earn Miles with Credit Cards?
Understanding Air Miles Credit Cards
If you love travelling, you should consider getting an air miles credit card. These cards allow you to earn miles for every dollar you spend, which you can redeem for flights, hotels, car rentals, and other travel-related expenses.
Air miles credit cards work differently from other credit cards. Instead of earning cashback or rewards points, you earn miles that you can use to pay for travel expenses. You can also accumulate miles to book a free flight or upgrade to a higher class.
Most air miles credit cards come with sign-up bonuses, a great way to accumulate miles quickly. Depending on the card, these bonuses can range from a few thousand miles to tens of thousands of miles.
Earn Miles with Best Card: The Benefits
One of the most significant benefits of air miles credit cards is the ability to earn miles on everyday spending. You can earn miles from groceries and gas to dining out and online shopping.
Another benefit is the flexibility of redeeming miles. You can use your miles to book flights, hotels, car rentals, and other travel-related expenses. Some cards also allow you to transfer your miles to other loyalty programs, giving you even more options for redeeming your rewards.
Air miles credit cards can also come with other perks, such as airport lounge access, travel insurance, and concierge services. These perks can make your travel experience more enjoyable and stress-free.
Air miles credit cards can be a great way to earn rewards for everyday spending and travel expenses. Just choose a card that fits your spending habits and travel goals.
Earn Miles with Best Card Reviewed
Are you looking for the best credit card to earn miles? Look no further than these top-rated cards. Each one offers unique benefits that help you make miles faster and more efficiently.
Citi PremierMiles Card
The Citi PremierMiles Card is an excellent option for frequent travellers. With this card, you can earn up to 1.5 Citi Miles for every S$1 spent locally and up to 2 Citi Miles for every S$1 spent overseas.
Plus, you can earn up to 10,000 bonus miles when you sign up and pay the annual fee. The annual fee is S$192.60 (inclusive of GST), but it is waived for the first year.
DBS Altitude Card
The DBS Altitude Card is an excellent choice if you want a card with a low annual fee. The yearly fee is only S$192.60 (inclusive of GST), and you can earn up to 1.2 miles for every S$1 spent locally and up to 2 miles for every S$1 spent overseas. Plus, you can earn up to 10,000 bonus miles when you sign up.
OCBC 90°N Card
The OCBC 90°N Card is perfect for those frequently travelling to North Asia. With this card, you can earn up to 1.2 miles for every S$1 spent locally and up to 2.1 miles for every S$1 spent overseas. Plus, you can earn up to 8 miles for every S$1 spent on selected airlines and hotels. The annual fee is S$192.60 (inclusive of GST), but it is waived for the first year.
UOB PRVI Miles Card
The UOB PRVI Miles Card is a great choice for those who want flexibility. With this card, you can earn up to 1.4 miles for every S$1 spent locally and up to 2.4 miles for every S$1 spent overseas. Plus, you can earn up to 10,000 bonus miles when you sign up and pay the annual fee. The annual fee is S$256.80 (inclusive of GST), but it is waived for the first year.
HSBC Revolution Card
The HSBC Revolution Card is perfect for those who want to earn miles on everyday purchases. With this card, you can earn up to 1.2 miles for every S$1 spent locally and up to 2.25 miles for every S$1 spent overseas. Plus, you can earn up to 10,000 bonus miles when you sign up. The annual fee is S$160.50 (inclusive of GST), but it is waived for the first 2 years.
Maybank Horizon Card
The Maybank Horizon Card is an excellent option for those earning miles on dining and petrol purchases. With this card, you can earn up to 3.2 miles for every S$1 spent on dining, petrol, and taxi rides in Singapore and up to 2 miles for every S$1 spent overseas. Plus, you can earn up to 10,000 bonus miles when you sign up and pay the annual fee. The annual fee is S$180 (inclusive of GST), but it is waived for the first 3 years.
No matter which card you choose, read the terms and conditions carefully to understand the earn rates, annual fees, and other benefits.
Earn Miles with Best Card: The Comparison
When choosing a miles credit card, there are several factors to consider. Here are some key things to keep in mind when comparing different cards:
Earn Miles with Best Card: Rewards vs Cashback
One of the first things to consider is whether you want to earn rewards points or cashback. Rewards points can be redeemed for flights, hotel stays, and other travel-related expenses, while cashback can be used for anything. If you’re a frequent traveller, a rewards card may be the better choice, but a cashback card might be a better fit if you prefer flexibility.
Earn Miles with Best Card: Local vs Overseas Spend
Some miles credit cards offer higher reward rates for overseas spending, while others provide more rewards for local expenditure. If you travel frequently, you may consider a card offering more rewards for overseas spending. On the other hand, if you mainly use your card for local purchases, a card that offers higher rewards for local expenditure might be a better choice.
Earn Miles with Best Card: Annual Fees and Waivers
Annual fees are another factor to consider when choosing a miles credit card. Some cards come with high annual fees, while others have no annual fee at all. If you’re looking for a card with a lower yearly fee, read the terms and conditions carefully to see if there are any restrictions or limitations.
Some cards may also offer annual fee waivers for the first year or for customers who meet specific spending requirements.
Earn Miles with Best Card: Bonus and Promotions
Finally, it’s essential to consider any bonus miles or promotions a card may offer. Some cards offer bonus miles for signing up or for meeting specific spending requirements, while others may offer promotions or discounts on travel-related expenses. Make sure to read the terms and conditions carefully to see if there are any limitations or restrictions on these offers.
By considering these factors and researching, you can find a miles credit card that fits your needs and helps you earn rewards for your travel expenses.
Earn Miles with Best Card: Maximising Your Miles
If you want to earn the most miles possible with your credit card, you can do a few things to maximise your rewards. Here are some best practices to keep in mind:
Best Practices for Earning Miles
- Choose the right card: Ensure you have the right card for your needs before earning miles. Look for a card that offers high rewards for the things you spend money on most often, such as dining, online shopping, or travel.
- Use your card for everything: The more you use your card, the more miles you’ll earn. So try using your card for everyday purchases, such as groceries, gas, and entertainment.
- Pay your balance in full: To avoid paying interest on your purchases, pay your monthly balance. This will ensure that you’re earning miles without incurring any extra costs.
Utilising Promotions and Bonuses
- Take advantage of sign-up bonuses: Many credit cards offer sign-up bonuses for new customers. Taking advantage of these can be a great way to earn many miles quickly.
- Maximise bonus categories: Some cards offer bonus miles for specific spending categories, such as dining or travel. Ensure you take full advantage of these categories to earn as many miles as possible.
- Look for promotional offers: Credit card companies often offer promotions that can help you earn extra miles. Watch for these offers and take advantage of them when they’re available.
Strategic Spending for Maximum Miles
- Use your card for travel expenses: If you’re travelling, make sure you use your card for all your travel expenses, such as flights, hotels, and rental cars. This will help you earn more miles and get closer to your next reward.
- Avoid foreign currency fees: If you’re travelling overseas, use a card that doesn’t charge foreign currency conversion fees. These fees can add up quickly and eat into your rewards.
- Convert points to miles: Some cards allow you to convert points to miles, which can significantly increase your rewards balance. Just make sure you’re not paying any extra fees to do so.
Following these tips, you can maximise your miles and earn more rewards with your credit card. Remember to choose the right card, use it for everything, and take advantage of promotions and bonuses whenever possible. Happy earning!
Earn Miles with Best Card: Additional Perks and Offers
When choosing a credit card to earn miles, it’s essential to consider the additional perks and offers that come with it. Here are some of the benefits you should look out for:
Travel Insurance and Protection
Many miles credit cards offer complimentary travel insurance, which can cover you for medical emergencies, flight delays, lost baggage and more. For example, the Citi PremierMiles Card offers up to $1 million in travel accident insurance and $10,000 in trip cancellation and interruption coverage. Be sure to read the terms and conditions carefully to understand what is covered and what isn’t.
Airport Lounge Access
Airport lounge access is a coveted perk for frequent travellers, and many miles credit cards offer it as a benefit. For example, the American Express Singapore Airlines KrisFlyer Ascend Credit Card provides complimentary access to over 1,000 airport lounges worldwide, including the Priority Pass and Plaza Premium lounges. This can be a great way to relax and unwind before your flight and enjoy complimentary food and beverages.
Exclusive Travel Deals
Some miles credit cards offer exclusive deals and discounts on travel bookings. For example, the HSBC Revolution Credit Card offers up to 12% off hotel bookings on Agoda and Expedia, and up to 10 miles per $1 spent on Kaligo hotel bookings. The DBS Altitude Visa Signature Card also offers exclusive deals on KrisShop purchases, such as discounts and bonus miles.
In conclusion, when choosing a miles credit card, it’s essential to consider the additional perks and offers that come with it. These can include travel insurance, airport lounge access, and exclusive travel deals. Be sure to read the terms and conditions carefully to understand what is covered and what isn’t, and choose a card that suits your travel needs and preferences.
Earn Miles with Best Card: Understanding the Fine Print
If you want to earn miles with a credit card, it’s essential to understand the fine print. Here are some things you should know before applying for a miles card.
Terms and Conditions Explained
Before applying for a miles card, read and understand the terms and conditions. This will give you an idea of what you’re signing up for. Some important things to look out for include the annual fee, foreign transaction fee, conversion fees and minimum income requirement.
Minimum Income and Spending Requirements
Most miles cards have a minimum income requirement. You need to earn this minimum amount to be eligible for the card. Additionally, some cards also have minimum spending requirements. You must spend a certain amount on the card to earn miles.
Conversion Rates and Fees
When you use your miles to book a flight or hotel, conversion fees may be involved. Make sure you understand the conversion rates and fees before redeeming your miles. Some cards also charge a fee for transferring miles to another airline or hotel loyalty program.
It’s also important to note that some miles cards have blackout dates or limited availability for rewards. Make sure you check the availability of rewards before applying for a card.
Understanding a miles card’s fine print is crucial to maximizing your rewards. Read the terms and conditions carefully, understand the minimum income and spending requirements, and know the conversion rates and fees involved. By doing so, you’ll be able to make the most of your miles and enjoy your travels to the fullest.
Earn Miles with Best Card: Leveraging Partnerships and Programmes
Partnering with airlines and hotels can be a game-changer when it comes to earning miles. Many credit cards offer partnerships with airlines and hotels, allowing you to earn miles for purchases and stays. By leveraging these partnerships, you can earn miles faster and redeem them for flights and hotel stays.
Partner Airlines and Hotels
Partner airlines and hotels have partnered with credit card companies to offer rewards to their cardholders. For example, Singapore Airlines has partnered with several credit card companies, including Citibank and DBS, to offer miles for purchases made with their cards. Similarly, hotels like Marriott and Hilton have partnered with credit card companies to provide stay rewards.
When choosing a credit card to earn miles, you must consider which airlines and hotels you frequently use. Look for credit cards with partnerships with your preferred airlines and hotels to maximize your earning potential.
Frequent Flyer Programmes
Frequent flyer programmes are loyalty programmes offered by airlines that reward their customers for their loyalty. By joining a regular flyer programme, you can earn miles for your flights and redeem them for future flights. Singapore Airlines KrisFlyer programme is a popular frequent flyer programme that allows you to make miles for your flights with Singapore Airlines and its partner airlines.
When choosing a credit card for earning miles, consider whether the card offers rewards for frequent flyer programmes. Some credit cards offer bonus miles for signing up for a regular flyer programme or reaching certain milestones.
Partnering with airlines and hotels and participating in frequent flyer programmes can help you earn miles faster and redeem them for flights and hotel stays. When choosing a credit card for earning miles, consider which airlines and hotels you frequently use and whether the card offers rewards for frequent flyer programmes.
Earn Miles with Best Card: Conclusion
Congratulations! You now know the ins and outs of the best credit cards for earning miles in Singapore. You are now well-equipped to make a decision that suits your unique travel needs and spending habits. Remember, the best credit card for you is the one that offers the most value and rewards for your lifestyle.
When choosing a travel credit card, it is essential to consider the earn rate, miles expiration, redemption options, and other perks such as lounge access and travel insurance. Our research shows that the American Express KrisFlyer Credit Card and the Citi PremierMiles Visa Card are excellent options for earning miles.
The American Express KrisFlyer Credit Card offers a high earning rate of 1.1 miles per dollar spent locally and 2 miles paid overseas. Plus, it comes with a sign-up bonus of 15,000 KrisFlyer miles and a complimentary night’s stay at selected Millennium Hotels and Resorts.
On the other hand, the Citi PremierMiles Visa Card offers a generous earning rate of 1.2 miles per dollar spent locally and 2 miles per dollar paid overseas. Additionally, it comes with a sign-up bonus of up to 30,000 miles and complimentary travel insurance.
Credit cards, such as the UOB PRVI Miles American Express Card and the HSBC Revolution Credit Card, are also great for earning miles. These cards offer competitive earn rates and a range of other benefits.
Ultimately, the best credit card for earning miles depends on your preferences and travel goals. Consider your spending habits, travel patterns, and reward priorities when deciding. Happy travels!
Frequently Asked Questions
What’s the top pick for maximising travel miles with every purchase?
One of the best credit cards for earning travel miles is the American Express Singapore Airlines KrisFlyer Credit Card. It offers up to 1.1 KrisFlyer miles for every S$1 spent locally and up to 2 KrisFlyer miles for every S$1 spent overseas. Plus, new cardholders can earn up to 15,000 bonus KrisFlyer miles.
How can I quickly rack up KrisFlyer miles with a credit card?
One way to quickly accumulate KrisFlyer miles is by using a credit card offering bonus miles for specific spending categories. For example, the UOB PRVI Miles Card provides up to 4 miles per S$1 spent on overseas transactions, while the DBS Altitude Visa Signature Card offers up to 3 miles per S$1 spent on online flight and hotel bookings.
Which credit card offers the highest mileage rewards for frequent flyers?
The Citi PremierMiles Card is one of the best credit cards for frequent flyers, offering up to 1.5 Citi Miles for every S$1 spent locally and up to 2 Citi Miles for every S$1 spent overseas. It has a welcome bonus of up to 45,000 Citi Miles for new cardholders.
Can you tell me which credit cards allow conversion to KrisFlyer miles?
Many credit cards in Singapore offer the option to convert rewards points to KrisFlyer miles, including the American Express Singapore Airlines KrisFlyer Credit Card, the Citi PremierMiles Card, and the DBS Altitude Visa Signature Card.
What are the latest perks of the UOB PRVI Miles Card for avid travellers?
The UOB PRVI Miles Card offers a range of travel perks, including unlimited access to over 1,000 airport lounges worldwide with the Mastercard Airport Experiences by LoungeKey programme. Cardholders can also enjoy up to S$1 million in travel accident insurance and complimentary travel insurance coverage for flight delays and baggage loss.
Why is the Citi PremierMiles Card considered a must-have for mileage enthusiasts?
The Citi PremierMiles Card is popular among mileage enthusiasts due to its generous rewards programme. It offers up to 1.5 Citi Miles for every S$1 spent locally and up to 2 Citi Miles for every S$1 paid overseas. Additionally, cardholders can enjoy a range of travel perks, including complimentary travel insurance and exclusive hotel and dining privileges.
