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Best miles credit cards in Singapore (2026)

On the spending below, the HSBC Revolution pays about S$652 a year after its annual fee, ahead of the DBS Woman's World at S$342. We ranked 16 miles cards using each bank's published rates, caps and minimum spend.

Last verified 27 Oct 2026 against each bank's own terms.

  1. HSBC

    HSBC Revolution

    Miles

    S$652/yr

    43,445 miles a year ≈ S$652

    No annual fee

    Contactless/online at bonus merchants at 3.33 mpd · Everything else at 0.33 mpd

  2. DBS

    DBS Woman's World

    Miles1st year fee waived

    S$342/yr

    35,904 miles a year ≈ S$539

    − S$196 fee

    Online spend at 4 mpd · In-store spend at 0.4 mpd

  3. Standard Chartered

    SC Journey

    Miles

    S$321/yr

    34,512 miles a year ≈ S$518

    − S$196 fee

    Other local spend at 1.2 mpd · Ride-hailing & food delivery (online) at 3 mpd

  4. UOB

    UOB Lady's

    Miles1st year fee waived

    S$296/yr

    32,784 miles a year ≈ S$492

    − S$196 fee

    Chosen category: Dining at 4 mpd · Everything else at 0.4 mpd

  5. DBS

    DBS Altitude Visa

    Miles1st year fee waived

    S$260/yr

    30,408 miles a year ≈ S$456

    − S$196 fee

    Local spend at 1.3 mpd · Foreign currency at 2.2 mpd

  6. OCBC

    OCBC 90°N

    Miles1st year fee waived

    S$239/yr

    29,040 miles a year ≈ S$436

    − S$196 fee

    Local spend (excl. bus/MRT) at 1.3 mpd · Foreign currency at 2.1 mpd

  7. UOB

    UOB Preferred Visa

    Miles1st year fee waived

    S$231/yr

    28,464 miles a year ≈ S$427

    − S$196 fee

    Selected online spend at 4 mpd · In-store spend at 0.4 mpd

  8. Citi

    Citi Rewards

    Miles1st year fee waived

    S$231/yr

    28,464 miles a year ≈ S$427

    − S$196 fee

    Online shopping & delivery at 4 mpd · Everything else at 0.4 mpd

  9. UOB

    UOB PRVI Miles

    Miles1st year fee waived

    S$230/yr

    32,784 miles a year ≈ S$492

    − S$262 fee

    Local spend at 1.4 mpd · Foreign currency at 2.4 mpd

  10. Citi

    Citi PremierMiles

    Miles

    S$228/yr

    28,272 miles a year ≈ S$424

    − S$196 fee

    Local spend at 1.2 mpd · Foreign currency at 2.2 mpd

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What to look for

Miles cards earn points you convert to KrisFlyer or other airline miles. We value a mile at 1.5 cents; you can change that in the finder. Bonus rates are usually capped each month and many cards round down to S$5 blocks, which we ignore, so real earnings can be slightly lower.

The spending we used

CategoryPer month
DiningS$400
Food deliveryS$150
GroceriesS$400
Ride-hailing & taxisS$150
Bus & MRTS$80
Online shoppingS$300
Foreign currencyS$100
Mobile, internet & streamingS$120
Everything elseS$300
TotalS$2,000

Annual fees are subtracted. Miles are valued at 1.5¢ each. Mobile-payment-only bonuses are not counted unless you switch them on in the finder. How we calculate.

Common questions

What are the best miles credit cards in Singapore?

On our test profile the top card is the HSBC Revolution from HSBC, at about S$652 a year after fees. The best card for you depends on your own mix of spending, which you can enter in the card finder.

How are these cards ranked?

By estimated yearly value after the annual fee, using each card's published earn rates, caps and minimum spend. Miles are valued at 1.5 cents. Welcome offers, promotions and single-merchant deals are not counted.

Does any bank pay for its position?

No. The order comes only from the calculation. card.sg is not paid by any bank to list or rank cards.

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