5 Best Miles Credit Cards in Singapore (2026): Citi PremierMiles, DBS Altitude, UOB PRVI Sign-Up Bonuses Compared

The smartest 'set and forget' miles card on the Singapore market, now sold as the Citi PremierMiles World Select Mastercard. 1.2 mpd local and 2.2 mpd on foreign currency spend, with the killer feature that Citi Miles never expire and are uncapped, so you only convert them to KrisFlyer or another partner when you actually need to redeem. It also runs the highest bonus rate on this list through its own booking links: up to 10 Citi Miles per S$1 on Kaligo (valid till 31 December 2026) and up to 7.2 on Agoda hotel bookings. Annual fee S$196.20 (incl. 9% GST). Read the welcome offer carefully, because the two routes are nowhere near equivalent: a new Citi cardmember who PAYS the S$196.20 fee and spends S$800 within 2 months ends up with 30,960 miles, while one who takes the first-year fee waiver and spends the same S$800 gets 8,960. Applications must be submitted by 30 September 2026. On top of either miles route, Citi's Online Sign-Up Flash Deal adds a S$100 Trip.com Gift Card for applications made on the Citibank website or Citi Mobile app from 1 September to 31 October 2026, on the same S$800 of spend. It is open only if you hold no Citi main credit card and have not closed one in the last 12 months, its spend window runs from approval to the end of the second full calendar month after it, and the gift card is loaded into the Citi Mobile app by 30 April 2027 with 3 months to activate it on Trip.com. Includes 2 complimentary Priority Pass lounge visits per calendar year (membership is on application and reserved for the principal cardmember), a Flight Delay Pass giving a complimentary LoungeKey visit when a registered flight is delayed 2 hours or more, and a 10,000 Citi Miles renewal bonus each year you pay the annual fee. One catch on that renewal bonus: if you later get the fee waived, the 10,000 miles are reversed.

The overseas-spending champion. 1.4 mpd local and 2.4 mpd overseas, the highest mainstream mpd in Singapore, and 3 mpd on spend in Malaysia, Indonesia, Thailand and Vietnam, which is where most Singaporeans actually burn their holiday budget. Up to 8 mpd on Agoda hotel bookings through UOB's own PRVI Miles landing page (book by 15 August 2027, stay by 15 November 2027) and on Expedia hotels, activities and car rentals (book by 31 March 2027); note Expedia flights earn 3 mpd, not 8, and bookings made outside those dedicated links earn nothing extra. Quietly the best lounge deal of the non-premium cards here: 4 complimentary Priority Pass visits per calendar year for the principal cardmember, with guests and any visits beyond the four charged at US$35 per person. Annual fee S$261.60 with a first-year waiver. The current welcome offer is not miles at all: new-to-UOB applicants who apply by 30 September 2026 and spend S$1,000 in the first month get a S$100 Samsung e-voucher, plus 10% off at the Samsung online store on a S$1,000 minimum spend, capped at S$100. One caveat that matters on an overseas card: UOB charges a 3.25% administrative fee on non-SGD transactions, of which 1% is retained by Visa or Mastercard, so the 2.4 mpd is not quite the free lunch the headline rate suggests. Best for: anyone spending 30%+ of their card spend in foreign currency, including online shopping in USD, frequent regional trips, or business travellers with international clients.

The strongest everyday earn rate of the entry-level miles cards, and right now the best sign-up bonus you can realistically clear: 1.3 mpd local and 2.2 mpd overseas, which quietly beats Citi PremierMiles on local spend. The live welcome offer runs to 31 October 2026 for customers holding no principal DBS or POSB credit card who have not cancelled one in the last 12 months. Apply with promo code ALTS38, spend S$800 within 60 days of approval, hold a valid DBS PayLah! account by the end of that period and pay the S$196.20 first-year fee, and you get 38,000 miles. Code ALTSW28 pays 28,000 on the fee-waiver route, and code MINTER swaps the miles for a Samsonite MINTER 80/30 trunk luggage worth S$680 on the same S$800 spend. DBS Points convert to KrisFlyer, Asia Miles, Qantas and airasia points, plus Kris+ (KrisPay), four airline programmes rather than a huge list, so check your preferred airline is on it. KrisFlyer, Asia Miles and Qantas conversions go in blocks of 5,000 DBS Points (= 10,000 miles) and carry a S$27.25 admin fee each time; automating it through the KrisFlyer Miles Auto Conversion Programme costs a further S$43.60 a year. Annual fee S$196.20 with a year-1 waiver, and this is now live, not pending: DBS scrapped the S$25,000 spend-based waiver with effect from 1 August 2026, so from year 2 a waiver is a discretionary request through digibank rather than automatic. Paying the fee does hand back 10,000 miles (5,000 DBS Points) as a renewal bonus, though DBS reverses those points if the fee is later waived. Includes complimentary travel insurance and 2 Priority Pass lounge visits per membership year on the Visa Signature variant; the AMEX variant has no lounge benefit.

The KrisFlyer purist's pick. 1.2 mpd on local SGD spend, 2 mpd on Singapore Airlines, Scoot, KrisShop and Pelago purchases, and 2 mpd on Grab (capped at S$200 of Grab spend a month). Miles credit DIRECTLY to your KrisFlyer account, with no manual conversion and no admin fee. Includes 1 complimentary night a year at participating Hilton properties in Asia Pacific, complimentary Hilton Honors Silver status enrolment, Hertz Gold Plus Rewards benefits (up to 10% off worldwide rentals plus a car-class upgrade and a free additional driver), and a 10,000 KrisFlyer miles renewal redemption voucher when you pay the fee. Two benefits worth more than the headline rate if you fit them: a Foreign Spend Miles Redemption Voucher worth 18,000 KrisFlyer miles if you spend the equivalent of S$10,000 or more in foreign currency between 1 November 2025 and 31 October 2026, and a fast track to KrisFlyer Elite Gold on S$15,000 of spend including at least S$5,000 with the Singapore Airlines group within the first 12 months, valid till 16 December 2026. Do not expect lounge access from the card itself, as the four lounge vouchers were dropped back in November 2024. Welcome offer for cards approved by 31 January 2027: up to 45,000 bonus miles for new-to-AMEX applicants, meaning no basic or supplementary AMEX consumer card in the last 24 months (up to 25,000 if you already hold an AMEX card), built from 20,000 with annual fee payment and S$8,000 of spend in the first 6 months, 20,000 more on your first spend in month 15, and 5,000 on the very first charge for first-time Singapore Airlines credit card applicants. Annual fee S$397.85 (incl. 9% GST), and read this bit carefully: AMEX publishes the first-year waiver only for the first 2 supplementary cards, not the principal card, and the welcome miles are conditional on that fee being paid. There is no spend-based waiver. Best for: anyone who flies SQ 4+ times a year and primarily wants KrisFlyer miles.

The premium perks card. 1.4 mpd local and 2.4 mpd overseas (same as PRVI Miles), but with the heavy benefits: 12 complimentary lounge passes per 12-month membership year at 1,400+ airport lounges via The Airport Companion Programme by DragonPass, cut down from unlimited access on 1 June 2026, with guests drawing from the same pool of 12 rather than coming free and anything past 12 charged at US$32 per person. Add 24/7 UOB Visa Infinite Concierge, travel personal accident cover up to US$1,000,000, purchase protection to S$10,000, complimentary weekday golf green fees, waived miles conversion fees, and up to 30% off at participating restaurants. Annual fee S$654 (incl. 9% GST), and note it is strictly non-waivable, with no first-year or spend-based waiver. That fee reads differently from year 2, though: paying it in full earns 25,000 renewal miles, and a further 15,000 if your qualifying spend hit S$100,000 in the preceding membership year, for up to 40,000 miles a year. Welcome offer running to 30 September 2026: 60,000 bonus miles for new-to-card customers (40,000 for existing UOB cardholders) on S$4,000 spend within 30 days of approval with the S$654 fee paid in full, down from 80,000 miles earlier in the year, and the bonus lands two months after the fee is posted. Best for: frequent travellers who will genuinely use 12 lounge visits a year.