Latest Ranking of Leading Miles Credit Cards in Singapore for the Year 2025
In the highly competitive miles credit card market of Singapore, the choice of the best card depends on various factors such as annual fees, lounge perks, miles expiry, and transfer partner flexibility.
For those just starting out, the DBS Altitude Card serves as an accessible entry-point into the miles credit card market. Offering a competitive earn rate and various benefits, the DBS Altitude Card is the starter card in 2025, requiring a relatively low income and offering a first-year fee waiver. Newcomers can also earn up to 38,000 bonus miles. However, it's important to note that the transfer network for the DBS Altitude card is more limited, focusing mainly on KrisFlyer, Asia Miles, Qantas, and AirAsia.
On the other hand, the KrisFlyer UOB card is best for those who live and breathe Singapore Airlines (SIA). The card offers co-brand perks such as miles credited directly into your KrisFlyer account and a fast-track to KrisFlyer Elite Silver with S$5,000 in annual SIA Group spend, plus small Scoot extras like baggage upgrades. The KrisFlyer UOB card gives 3 miles per dollar (mpd) on SIA Group spend and 2.4 mpd on dining, online shopping, and transport, but only if you spend at least S$1,000 on Singapore Airlines or Scoot annually.
The UOB PRVI Miles Card leads the pack with a base earn rate of 1.4 mpd on local spend, the highest in Singapore, and 2.4 mpd overseas. In 2025, banks in Singapore are offering accelerated earn rates of up to 4 mpd for online shopping, dining, and checkout transactions.
The Citi PremierMiles Card offers miles that never expire, making it a card for those who prefer steady accumulation without pressure. The HSBC TravelOne credit card connects to more than 20 airline and hotel partners, offering cardholders a wide range of choices.
It's crucial to pick a card that aligns with one's own travel habits and spending patterns, rather than just the headline earn rate. The annual fee for the DBS Altitude card is S$196.20, waived with S$25,000 annual spend. The KrisFlyer UOB card does not offer lounge access, a factor that some frequent travellers might consider.
In conclusion, the miles credit card market in Singapore caters to a variety of travellers, from frequent regional travellers to those who value flexibility across multiple airlines. By understanding the benefits, limitations, and costs associated with each card, you can make an informed decision that best suits your travel lifestyle.
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