If you’re an avid traveller, you understand the importance of maximising your spending to earn air miles for your next adventure. In Singapore, there’s a wide array of air miles credit cards available, each offering a unique set of rewards and benefits to suit your lifestyle. Navigating through the options can be overwhelming, but fear not – our guide to the best air miles credit cards in Singapore will help you make an informed decision, ensuring you get the most out of your spending.
Understanding the intricacies of air miles credit cards is crucial to maximising your rewards. From comparing the various rewards and benefits to understanding the associated fees and charges, our comprehensive guide will provide you with all the information you need to make the right choice. Additionally, we’ll delve into the lifestyle benefits, travel perks, partner programmes, and online payment options that come with these cards, giving you a holistic view of what each card has to offer. With our guide, you’ll be well-equipped to select the best air miles credit card that aligns with your travel aspirations and lifestyle.
Key Takeaways
- Gain insights into the best air miles credit cards in Singapore
- Understand the rewards, fees, and lifestyle benefits associated with each card
- Make an informed decision to maximise your air miles and travel perks
Understanding Air Miles Credit Cards
If you’re someone who loves to travel, then you should definitely consider getting an air miles credit card. These cards allow you to earn air miles for every dollar you spend, which can then be redeemed for flights, hotel stays, and other travel-related expenses.
What Are Air Miles Credit Cards?
Air miles credit cards are a type of rewards credit card that allows you to earn air miles for every dollar you spend. These miles can then be redeemed for flights, hotel stays, and other travel-related expenses. Some air miles credit cards also offer other benefits, such as lounge access, travel insurance, and concierge services.
How They Work
When you use an air miles credit card to make a purchase, you earn a certain number of air miles based on the amount you spend. The number of miles you earn per dollar spent varies depending on the card you have. Some cards offer a flat rate of miles for every dollar spent, while others offer bonus miles for certain types of purchases.
Once you’ve earned enough miles, you can redeem them for flights, hotel stays, and other travel-related expenses. The number of miles required for a particular reward varies depending on the airline or hotel, as well as the time of year you’re travelling.
Benefits of Using Air Miles Credit Cards
There are many benefits to using air miles credit cards. Here are just a few:
- Free Travel: The most obvious benefit of air miles credit cards is that they allow you to earn free travel. If you’re someone who travels frequently, this can save you a lot of money in the long run.
- Additional Perks: Many air miles credit cards offer additional perks, such as lounge access, travel insurance, and concierge services. These perks can make your travel experience more enjoyable and stress-free.
- Earn Miles Faster: Some air miles credit cards offer bonus miles for certain types of purchases, such as dining or travel. This can help you earn miles faster and get closer to your next reward.
- No Foreign Transaction Fees: If you travel internationally, many air miles credit cards offer no foreign transaction fees. This can save you a lot of money on fees and make your international travel experience more affordable.
In conclusion, air miles credit cards are a great way to earn free travel and enjoy additional perks while you’re on the road. If you’re someone who loves to travel, you should definitely consider getting an air miles credit card.
Top Air Miles Credit Cards in Singapore
If you are looking for the best air miles credit cards in Singapore, you have come to the right place. We have researched and compiled a list of the top air miles credit cards that will help you earn miles quickly and redeem them for exciting rewards.
DBS Altitude Visa Signature Card
The DBS Altitude Visa Signature Card is an excellent choice for frequent flyers. With this card, you can earn up to 1.2 miles for every dollar spent on local transactions and up to 2 miles for every dollar spent overseas. You can also enjoy complimentary travel insurance coverage of up to S$1 million.
Citi PremierMiles Card
The Citi PremierMiles Card is one of the most popular air miles credit cards in Singapore. With this card, you can earn 1.2 miles for every dollar spent locally and 2 miles for every dollar spent overseas. The miles earned do not expire, and you can redeem them for flights, hotel stays, and other travel-related expenses.
OCBC 90°N Card
The OCBC 90°N Card is an excellent choice for those who love to travel. With this card, you can earn up to 4 miles for every dollar spent on overseas transactions and up to 1.2 miles for every dollar spent locally. You can also enjoy complimentary travel insurance coverage of up to S$500,000.
UOB PRVI Miles Card
The UOB PRVI Miles Card is a great option for those who want to earn miles quickly. With this card, you can earn up to 1.4 miles for every dollar spent locally and up to 2.4 miles for every dollar spent overseas. You can also enjoy complimentary travel insurance coverage of up to S$1 million.
Maybank Horizon Visa Signature Card
The Maybank Horizon Visa Signature Card is an excellent choice for those who love to travel and dine out. With this card, you can earn up to 3.2 air miles for every dollar spent on dining and travel-related expenses and up to 2 air miles for every dollar spent on other transactions. You can also enjoy complimentary travel insurance coverage of up to S$1 million.
In conclusion, these are some of the best air miles credit cards in Singapore that can help you earn miles quickly and redeem them for exciting rewards. Choose the one that suits your needs and start earning miles today!
Comparing Rewards and Benefits
When choosing the best air miles credit card in Singapore, one of the most important factors to consider is the rewards and benefits that come with the card. Here are some of the key rewards and benefits you should compare when choosing a card.
Welcome Miles and Gifts
Many air miles credit cards offer welcome miles or gifts to new cardholders. These can be a great way to jumpstart your miles balance and get you closer to your next trip. When comparing cards, look for ones that offer a generous welcome bonus that you can earn easily.
Local and Overseas Spending Rewards
Another key factor to consider is the rewards you can earn on your everyday spending, both locally and overseas. Look for cards that offer a high earn rate on all your spending, especially on categories like dining, groceries, and petrol. Some cards may also offer bonus miles for spending in certain categories or at specific merchants.
Bonus Miles and Promotions
In addition to regular spending rewards, many air miles credit cards offer bonus miles and promotions throughout the year. These can include things like bonus miles for hitting spending targets, extra miles for booking travel through the card’s travel portal, or discounted redemption rates for certain flights or hotels. Be sure to compare the bonus miles and promotions offered by different cards to find the ones that will give you the most value.
Additional Perks and Privileges
Finally, many air miles credit cards offer additional perks and privileges that can make your travel experience more enjoyable. These can include things like lounge access, airport transfer services, travel insurance, and concierge services. When comparing cards, be sure to look at the additional perks and privileges offered to see which ones will be most useful to you.
In summary, when comparing air miles credit cards in Singapore, be sure to look at the rewards and benefits offered by each card. Consider factors like welcome miles and gifts, local and overseas spending rewards, bonus miles and promotions, and additional perks and privileges to find the card that will give you the most value for your spending.
Understanding Fees and Charges
When it comes to air miles credit cards, the fees and charges associated with them can have a significant impact on your overall rewards. Understanding the fees and charges will help you make an informed decision when choosing the best air miles credit card for your needs.
Annual Fees
Most air miles credit cards come with an annual fee, which is charged once a year for the use of the card. The annual fee can range from S$192 to S$535, depending on the card and the benefits it offers. Some cards may offer a waiver of the annual fee for the first year, while others may offer a waiver if you meet certain spending requirements. It’s important to consider the annual fee when choosing an air miles credit card, as it can significantly impact the overall value of the rewards you earn.
Foreign Currency Conversion Fees
If you use your air miles credit card to make purchases in a foreign currency, you may be charged a foreign currency conversion fee. This fee is typically around 2.5% of the transaction amount and can add up quickly if you frequently make purchases in foreign currencies. Some air miles credit cards may offer a waiver of the foreign currency conversion fee, so it’s important to check the terms and conditions of the card before using it overseas.
Other Associated Costs
In addition to the annual fee and foreign currency conversion fee, there may be other associated costs with your air miles credit card. For example, some cards may charge an admin fee for late payments, cash advances, or balance transfers. It’s important to be aware of these costs so that you can avoid them wherever possible.
Overall, understanding the fees and charges associated with air miles credit cards is an important part of choosing the best card for your needs. By considering the annual fee, foreign currency conversion fee, and other associated costs, you can make an informed decision and maximise the rewards you earn.
Maximising Your Air Miles
Strategies for Earning More Miles
To maximise your air miles, focus on using credit cards that offer generous rewards for everyday spending. Look for cards that provide bonus miles for specific categories such as dining, groceries, and travel. By strategically using your credit card for these expenses, you can quickly accumulate a substantial number of miles. Additionally, consider signing up for cards that offer a high sign-up bonus, providing an initial boost to your air miles balance.
Redemption Tips for Best Value
When redeeming your air miles, aim for flexibility in redemption options. Look for credit cards that allow you to transfer your miles to multiple airline partners, giving you the freedom to choose the best value for your miles based on your travel preferences. Keep an eye out for promotions and special deals from airline partners, as these can offer excellent value for your miles.
Avoiding Expiry of Miles
To prevent your hard-earned miles from expiring, ensure you stay informed about the expiry policies of your air miles. Some credit cards offer miles that do not expire, providing peace of mind and flexibility in planning your travels. Alternatively, consider using your miles regularly to avoid expiration, whether it’s for flight redemptions, hotel stays, or other travel-related perks.
Lifestyle Benefits and Travel Perks
When it comes to choosing the best air miles credit card in Singapore, lifestyle benefits and travel perks are what make a card stand out from the rest. Here are some of the top benefits and perks you can expect from the best air miles credit cards in Singapore.
Travel Bookings and Accommodations
With the best air miles credit cards in Singapore, you can enjoy exclusive discounts and deals on travel bookings and accommodations. Some cards offer up to 50% off on hotel bookings or free nights at selected hotels. You can also earn bonus air miles when you book your flights and hotels using your credit card.
Dining and Leisure Rewards
The best air miles credit cards in Singapore also offer dining and leisure rewards that allow you to earn air miles when you dine out or enjoy leisure activities. You can earn up to 10 air miles for every dollar spent at selected restaurants or when you purchase tickets to theme parks, cinemas, and more.
Exclusive Airline Privileges
One of the most exciting benefits of the best air miles credit cards in Singapore is the exclusive airline privileges. You can enjoy complimentary seat selection, priority boarding and check-in, additional baggage allowance, and even express upgrade of exclusive airline class.
For example, the Citi PremierMiles Card offers complimentary access to Priority Pass lounges worldwide, while the American Express KrisFlyer Ascend Card offers free access to selected Plaza Premium lounges in Singapore.
In conclusion, the best air miles credit cards in Singapore offer a range of lifestyle benefits and travel perks that can enhance your travel experience. From exclusive discounts on travel bookings and accommodations to dining and leisure rewards, and exclusive airline privileges, these cards can help you make the most out of your travels.
Card Eligibility and Application
If you’re excited to start earning air miles with a credit card, the first step is to check if you’re eligible to apply. Here are some factors to consider:
Minimum Income Requirements
Most air miles credit cards in Singapore have minimum income requirements that you need to meet to be eligible for the card. These requirements can range from S$30,000 to S$120,000 per annum. Make sure you check the minimum income requirement before applying for a card.
Credit Rating Considerations
Your credit rating is an important factor that credit card issuers consider when reviewing your application. A good credit rating increases your chances of getting approved for the card and can also result in a higher credit limit. On the other hand, a poor credit rating can lead to rejection or a lower credit limit.
Here are some tips to improve your credit rating:
- Pay your bills on time
- Keep your credit utilization ratio low
- Avoid applying for multiple credit cards at the same time
Before applying for an air miles credit card, it’s important to check your credit rating. You can obtain a free credit report from the Credit Bureau Singapore.
Once you’ve checked your eligibility and credit rating, you can apply for the card online or in-person. The application process usually takes a few minutes and requires you to provide personal and financial information. If your application is approved, you’ll receive your card within a few business days.
Remember to read the terms and conditions carefully before applying for an air miles credit card. This will help you understand the fees, interest rates, and rewards program associated with the card.
Partner Programmes and Collaborations
One of the most exciting aspects of collecting air miles is the ability to redeem them for flights with partner airlines. Many credit card companies offer partner programmes and collaborations, which allow you to earn miles on a variety of airlines. Here are two of the most popular partner programmes available in Singapore:
KrisFlyer Programme
KrisFlyer is the frequent flyer programme of Singapore Airlines. By signing up for a KrisFlyer account, you can earn miles on Singapore Airlines flights as well as flights with its partner airlines, such as SilkAir and Scoot. You can also earn KrisFlyer miles by using your credit card for everyday spending. Some of the best credit cards for earning KrisFlyer miles include the American Express Singapore Airlines KrisFlyer Credit Card and the UOB PRVI Miles Card.
Cathay Pacific Asia Miles
Cathay Pacific Asia Miles is the frequent flyer programme of Cathay Pacific Airways. Like KrisFlyer, you can earn miles by flying with Cathay Pacific as well as its partner airlines, which include British Airways, Qantas, and Japan Airlines. You can also earn Asia Miles by using your credit card for everyday spending. Some of the best credit cards for earning Asia Miles include the Standard Chartered Visa Infinite X Credit Card and the Citi PremierMiles Card.
Partner programmes and collaborations can be a great way to earn miles quickly and efficiently. By choosing a credit card that offers a partner programme with your preferred airline, you can earn miles on flights without having to fly as frequently. Additionally, some partner airlines offer special perks and benefits to frequent flyers, such as lounge access and priority boarding.
Online and Contactless Payment Options
If you’re someone who prefers to shop online or use contactless payment methods, then you’ll be happy to know that some of the best air miles credit cards in Singapore offer rewards for these payment options.
Online Shopping Rewards
Many air miles credit cards in Singapore offer additional rewards when you shop online. For example, the Citi PremierMiles Card offers 4 miles for every S$1 spent on online shopping. Similarly, the DBS Altitude Visa Signature Card offers 3 miles for every S$1 spent on online shopping.
If you’re someone who loves to shop online, then these cards could be a great fit for you. Not only will you earn air miles for your purchases, but you’ll also be able to take advantage of the rewards offered by these credit cards.
Contactless Payment Benefits
Contactless payment methods are becoming increasingly popular in Singapore, and many air miles credit cards offer additional benefits when you use these payment methods. For example, the OCBC 90°N Card offers 4 miles for every S$1 spent on contactless payments.
Using contactless payment methods is not only convenient, but it can also help you earn air miles faster. If you’re someone who prefers to use contactless payment methods, then be sure to look for an air miles credit card that offers rewards for these payment options.
Overall, if you’re someone who loves to shop online or use contactless payment methods, then be sure to consider an air miles credit card that offers rewards for these payment options. Not only will you be able to earn air miles faster, but you’ll also be able to take advantage of the additional benefits offered by these credit cards.
Navigating Promotions and Deals
When choosing an air miles credit card, promotions and deals can be a major factor in your decision-making process. Here are some promotions and deals that you should keep an eye out for:
Seasonal Offers
Many credit card companies offer seasonal promotions, such as bonus miles or discounts on airfare during peak travel seasons. Keep an eye out for these promotions, as they can be a great way to maximize your rewards. For example, during the holiday season, some credit cards offer bonus miles for spending on gifts or travel expenses.
Collaboration with Travel Platforms
Some credit card companies collaborate with travel platforms such as Agoda, Expedia, and Grab to offer exclusive deals and discounts. For example, certain credit cards offer discounts on hotel bookings made through Agoda or Expedia, while others offer discounts on Grab rides. These collaborations can be a great way to save money on travel expenses and earn additional miles.
To take advantage of these promotions and deals, be sure to read the terms and conditions carefully. Some promotions may have minimum spending requirements or other restrictions, so it’s important to understand the details before making a purchase. Additionally, keep in mind that some promotions may only be available for a limited time, so be sure to act quickly if you see a deal that interests you.
Overall, promotions and deals can be a great way to maximize your rewards and save money on travel expenses. By keeping an eye out for seasonal offers and collaborations with travel platforms, you can make the most of your air miles credit card and enjoy exciting travel experiences.
Additional Card Features
When choosing the best air miles credit card in Singapore, you should not only consider the miles earning rate, but also the additional card features. These features can help you maximise your benefits and provide you with peace of mind.
Insurance Coverage
Some air miles credit cards offer insurance coverage as an additional feature. This can include travel insurance, purchase protection, and more. For example, the Citi PremierMiles Card provides up to S$1 million of travel accident insurance, while the DBS Altitude Visa Signature Card offers up to S$1 million of travel insurance.
Customer Service and Support
Another important factor to consider is the customer service and support provided by the credit card issuer. Look for a card that offers 24/7 customer service, so you can get help whenever you need it. Some cards also offer additional benefits, such as a dedicated concierge service to help you with travel bookings and reservations.
Booking Flexibility Waiver
Some air miles credit cards offer a booking flexibility waiver as an additional feature. This allows you to change or cancel your travel bookings without incurring any fees or charges. For example, the OCBC 90°N Card offers a free waiver of change or cancellation fees for all travel bookings made with the card.
Overall, when choosing the best air miles credit card in Singapore, it is important to consider not only the miles earning rate but also the additional card features. These features can help you maximise your benefits and provide you with peace of mind.
Comparative Analysis with Other Card Types
When it comes to choosing the best credit card for you, there are several factors to consider. One of the most important factors is the type of credit card you choose. In Singapore, there are several types of credit cards available, including cashback credit cards and rewards credit cards.
Cashback Credit Cards
Cashback credit cards are a great option if you want to earn cashback on your purchases. With a cashback credit card, you can earn a percentage of your spending back in the form of cashback. Some of the best cashback credit cards in Singapore include the Citi Cash Back Card and the Standard Chartered Unlimited Cashback Credit Card.
Rewards Credit Cards
Rewards credit cards are another popular option in Singapore. With a rewards credit card, you can earn points or miles for your spending. These points or miles can then be redeemed for rewards such as travel, merchandise, or cashback. Some of the best rewards credit cards in Singapore include the American Express Platinum Credit Card and the UOB PRVI Miles Card.
When it comes to choosing between cashback credit cards and rewards credit cards, it really depends on your spending habits and preferences. If you prefer to earn cashback on your spending, then a cashback credit card may be the best option for you. However, if you are a frequent traveller and want to earn miles for your spending, then a rewards credit card may be a better choice.
Overall, when choosing a credit card in Singapore, it is important to consider your spending habits and preferences. With so many different types of credit cards available, there is sure to be one that is perfect for you.
Frequently Asked Questions
What’s the most rewarding air miles credit card available in Singapore for frequent flyers?
If you’re a frequent flyer, you’ll want to choose a credit card that offers the most rewards for your travel spending. The Citi PremierMiles Card is a great option, as it offers high miles earn rates on both local and overseas spending. You can also earn bonus miles when you spend on airlines and hotels.
How can beginners choose the top miles credit card to start earning big on travel?
For beginners, it’s important to choose a credit card that offers a good miles earn rate and is easy to use. The OCBC 90°N Card is a great option for beginners, as it offers a high miles earn rate and is easy to use. You can also earn bonus miles when you spend on airlines and hotels.
Which credit card offers the best value for earning KrisFlyer miles swiftly?
If you’re looking to earn KrisFlyer miles quickly, the Amex KrisFlyer Card is a great option. You can earn up to 3.1 KrisFlyer miles for every S$1 spent on eligible purchases, and you can also earn bonus miles when you spend on airlines and hotels.
Are air miles credit cards truly beneficial for avid travellers?
Yes, air miles credit cards are truly beneficial for avid travellers. With an air miles credit card, you can earn miles on your everyday spending, which you can then redeem for flights, hotels, and other travel expenses. This can help you save money on your travel expenses and make your trips more enjoyable.
What perks can I expect from the leading travel card options in Singapore?
The leading travel card options in Singapore offer a range of perks, including travel insurance, airport lounge access, and priority check-in and boarding. For example, the UOB PRVI Miles Card offers travel insurance coverage of up to S$1 million, while the HSBC Revolution Credit Card offers free access to over 1,000 airport lounges worldwide.
How much value does one typically get from 25,000 KrisFlyer miles?
The value of 25,000 KrisFlyer miles can vary depending on how you redeem them. Generally, you can expect to get around S$500 worth of value from 25,000 KrisFlyer miles if you redeem them for a flight. However, if you redeem them for other travel expenses, such as hotel stays or car rentals, you may get less value.
