Best Credit Card for Travel & Miles in Singapore (2026)
Find the best Singapore credit card for travel & miles. Net value after fees, based on real spend patterns. 6 travel miles cards compared on fees, caps, and net returns for 2026.
Updated 21 June 2026·6 cards · 5 min scan·CardHungry
Top pick · DBS Altitude Visa
Net / yr
$602
Annual fee
$194
Return
2.1%
Top picks
Net annual value · moderate spend
Number one pick: DBS Altitude Visa, $602 per year net
DBS Altitude Visa
DBS
Net / yr
$602
Fee
$194.40
Top
3 miles/S$1
- ✓Best net value on this list — about $602/yr in your pocket after fees on typical spends.
- ✓Best for travel — 3 miles/S$1, up to S$500/mo.
SC Journey Credit Card
Standard Chartered
Net / yr
$415
Fee
$194.40
Top
3X 360° points
- ✓Strong runner-up at $415/yr net — roughly $187 behind #1 on the same spend mix.
- ✓Best for travel — 3X 360° points.
DBS Altitude Visa
DBS
Net / yr
$602
Fee
$194.40
Top
3 miles/S$1
- ✓Best net value on this list — about $602/yr in your pocket after fees on typical spends.
- ✓Best for travel — 3 miles/S$1, up to S$500/mo.
UOB PRVI Miles Card
UOB
Net / yr
$410
Fee
$256.80
Top
1.4 miles/S$1
- ✓Worth a look — $410/yr net, still ahead of 3 other eligible cards.
- ✓Best for all spends — 1.4 miles/S$1.
Why #2–#6 rank here
Ranked by net annual value on a moderate spend profile. Each line ties to issuer T&Cs, fees, caps, and your eligibility band. How we calculate NAV
- Strong runner-up at $415/yr net — roughly $187 behind #1 on the same spend mix.
- Best for travel — 3X 360° points.
- Rewards ($648/yr) still beat the $194 fee on this profile.
2SC Journey Credit CardStandard Chartered
- Strong runner-up at $415/yr net — roughly $187 behind #1 on the same spend mix.
- Best for travel — 3X 360° points.
- Rewards ($648/yr) still beat the $194 fee on this profile.
Full review →Net / yr
$415
- Worth a look — $410/yr net, still ahead of 3 other eligible cards.
- Best for all spends — 1.4 miles/S$1.
- Rewards ($706/yr) still beat the $257 fee on this profile.
3UOB PRVI Miles CardUOB
- Worth a look — $410/yr net, still ahead of 3 other eligible cards.
- Best for all spends — 1.4 miles/S$1.
- Rewards ($706/yr) still beat the $257 fee on this profile.
Full review →Net / yr
$410
- #4 here with $375/yr net (~1.3% back on your spends).
- Best for travel — 2.1 miles/S$1.
- Rewards ($603/yr) still beat the $194 fee on this profile.
4OCBC 90°N CardOCBC
- #4 here with $375/yr net (~1.3% back on your spends).
- Best for travel — 2.1 miles/S$1.
- Rewards ($603/yr) still beat the $194 fee on this profile.
Full review →Net / yr
$375
- #5 here with $372/yr net (~1.29% back on your spends).
- Best for all spends — 1.2 miles/S$1.
- Rewards ($605/yr) still beat the $194 fee on this profile.
5Citi PremierMiles CardCiti
- #5 here with $372/yr net (~1.29% back on your spends).
- Best for all spends — 1.2 miles/S$1.
- Rewards ($605/yr) still beat the $194 fee on this profile.
Full review →Net / yr
$372
- #6 here with $78/yr net (~0.27% back on your spends).
- Best for travel — 2.5%, up to S$200/mo.
- Rewards ($306/yr) still beat the $194 fee on this profile.
6HSBC Advance Credit CardHSBC
- #6 here with $78/yr net (~0.27% back on your spends).
- Best for travel — 2.5%, up to S$200/mo.
- Rewards ($306/yr) still beat the $194 fee on this profile.
Full review →Net / yr
$78
Why each card ranks here
Ranked by net annual value on a moderate spend profile. Each line ties to issuer T&Cs, fees, caps, and your eligibility band. How we calculate NAV
- Best net value on this list — about $602/yr in your pocket after fees on typical spends.
- Best for travel — 3 miles/S$1, up to S$500/mo.
- Rewards ($830/yr) still beat the $194 fee on this profile.
1DBS Altitude VisaDBS
- Best net value on this list — about $602/yr in your pocket after fees on typical spends.
- Best for travel — 3 miles/S$1, up to S$500/mo.
- Rewards ($830/yr) still beat the $194 fee on this profile.
Full review →Net / yr
$602
- Strong runner-up at $415/yr net — roughly $187 behind #1 on the same spend mix.
- Best for travel — 3X 360° points.
- Rewards ($648/yr) still beat the $194 fee on this profile.
2SC Journey Credit CardStandard Chartered
- Strong runner-up at $415/yr net — roughly $187 behind #1 on the same spend mix.
- Best for travel — 3X 360° points.
- Rewards ($648/yr) still beat the $194 fee on this profile.
Full review →Net / yr
$415
- Worth a look — $410/yr net, still ahead of 3 other eligible cards.
- Best for all spends — 1.4 miles/S$1.
- Rewards ($706/yr) still beat the $257 fee on this profile.
3UOB PRVI Miles CardUOB
- Worth a look — $410/yr net, still ahead of 3 other eligible cards.
- Best for all spends — 1.4 miles/S$1.
- Rewards ($706/yr) still beat the $257 fee on this profile.
Full review →Net / yr
$410
- #4 here with $375/yr net (~1.3% back on your spends).
- Best for travel — 2.1 miles/S$1.
- Rewards ($603/yr) still beat the $194 fee on this profile.
4OCBC 90°N CardOCBC
- #4 here with $375/yr net (~1.3% back on your spends).
- Best for travel — 2.1 miles/S$1.
- Rewards ($603/yr) still beat the $194 fee on this profile.
Full review →Net / yr
$375
- #5 here with $372/yr net (~1.29% back on your spends).
- Best for all spends — 1.2 miles/S$1.
- Rewards ($605/yr) still beat the $194 fee on this profile.
5Citi PremierMiles CardCiti
- #5 here with $372/yr net (~1.29% back on your spends).
- Best for all spends — 1.2 miles/S$1.
- Rewards ($605/yr) still beat the $194 fee on this profile.
Full review →Net / yr
$372
- #6 here with $78/yr net (~0.27% back on your spends).
- Best for travel — 2.5%, up to S$200/mo.
- Rewards ($306/yr) still beat the $194 fee on this profile.
6HSBC Advance Credit CardHSBC
- #6 here with $78/yr net (~0.27% back on your spends).
- Best for travel — 2.5%, up to S$200/mo.
- Rewards ($306/yr) still beat the $194 fee on this profile.
Full review →Net / yr
$78
Net value snapshot
Rewards minus annual fee on your spend profile
- #1DBS Altitude Visa$602#1DBS Altitude Visa$602
- #2SC Journey Credit Card$415#2SC Journey Credit Card$415
- #3UOB PRVI Miles Card$410#3UOB PRVI Miles Card$410
- #4OCBC 90°N Card$375#4OCBC 90°N Card$375
- #5Citi PremierMiles Card$372#5Citi PremierMiles Card$372
Before you apply
Category fit first
This guide ranks travel miles cards by net annual value — pick the one that matches your real spends in this category.
Net value over hype
Subtract annual fees and model monthly caps before comparing headline reward rates.
Apply once
One well-matched application beats multiple CBS enquiries in the same month.
Frequently asked questions
Which credit card is best for travel miles in Singapore?+
No single winner — it depends on monthly travel miles spend, caps, and fee structure. This guide compares 6+ cards by net annual value.
Are reward caps important for travel miles cards?+
Critical. A high rate with a low cap often loses to a lower unlimited rate. Always convert caps to absolute annual currency.
Do travel miles cards work with wallets and QR payments?+
Often not. Wallet loads, rent, EMI, and government payments are commonly excluded. Check issuer MCC exclusions before applying.
Can I hold multiple travel miles cards?+
Yes, but one primary travel miles card plus a general-purpose backup is usually optimal. Diminishing returns after that.
Will CardHungry spam me after I apply?+
No. Zero outbound sales calls. Optional email updates capped at 2 messages. One-click unsubscribe.
Full written guide
Methodology, tables, eligibility & fine print · ~8 min read
Full written guide
Methodology, tables, eligibility & fine print · ~8 min read
Looking for the best credit card for travel miles in Singapore? Generic top-10 listicles ignore your income, monthly caps, excluded MCCs, and whether you can actually get approved. This CardHungry guide analyses 6 leading cards with reward rules, net annual value across three spend profiles, exclusions, and who each card suits best — updated June 2026.
This guide covers the best credit cards for travel miles spends in Singapore, with full fee and cap analysis.
On this page
What matters for travel miles cards
- Effective rate after caps — divide annual cap by annual spend to get true yield.
- Category MCC coding — some merchants classify as "general" not "travel miles".
- Partner lock-in — co-brand cards only win at specific merchants.
- Annual fee breakeven — fee must be recovered from travel miles rewards alone or cross-category value.
- Stacking rules — most issuers forbid combining offers; read T&Cs.
Annual fee breakeven example
If a card charges $999/year and offers 5% on travel miles with a $5,000/month cap, maximum travel miles rewards = $6,000/year. Net after fee = $5,001 — but only if you actually hit the cap every month. Partial spends reduce this sharply.
Net value by spend profile
| Card | Light spender | Moderate | Heavy |
|---|---|---|---|
| DBS Altitude Visa | $130 | $602 | $1,640 |
| SC Journey Credit Card | $56 | $415 | $1,150 |
| UOB PRVI Miles Card | $25 | $410 | $1,396 |
| OCBC 90°N Card | $42 | $375 | $1,219 |
| Citi PremierMiles Card | $45 | $372 | $1,195 |
Net annual value after annual fee and estimated forex. Caps applied per issuer T&Cs.
Top travel miles credit cards — full breakdown
1. DBS Altitude Visa
Issuer: DBS · Tier: Platinum · Annual fee: $194.40
Miles for frequent travellers
Eligibility snapshot
- Min monthly income (salaried): $30,000
- Secured / FD-backed: No — standard unsecured
- Approval note: Indicative only. CBS checked by bank at application, not by CardHungry.
Reward structure
- travel: 3X points — cap $500/month
- online shopping: 2X points
- all: 1.2X points
Headline highlight: 3 miles/S$1 on Travel (cap S$500/mo)
Net value estimate (moderate spend profile)
- Gross annual rewards: $830
- Annual fee: −$194
- Forex markup cost (est.): −$34 (2.8% on international spends)
- Net annual value: $602 (2.09% effective return)
Key benefits
- Miles on all spends
- Travel insurance
- 2 lounge visits/year
Exclusions & fine print
Typically excluded or reduced: Insurance, Government payments, Balance transfers.
Best for: Frequent flyers in Singapore · DBS miles collectors
Read full DBS Altitude Visa review with spend simulator →
2. SC Journey Credit Card
Issuer: Standard Chartered · Tier: Platinum · Annual fee: $194.40
SC travel rewards
Eligibility snapshot
- Min monthly income (salaried): $50,000
- Secured / FD-backed: No — standard unsecured
- Approval note: Indicative only. CBS checked by bank at application, not by CardHungry.
Reward structure
- travel: 3X points — cap $500/month
- all: 1.5X points
Headline highlight: 3X 360° points on Travel
Net value estimate (moderate spend profile)
- Gross annual rewards: $648
- Annual fee: −$194
- Forex markup cost (est.): −$39 (3.25% on international spends)
- Net annual value: $415 (1.44% effective return)
Key benefits
- 360° rewards points
- Lounge access
- Travel insurance
Exclusions & fine print
Typically excluded or reduced: Insurance, Government payments, Balance transfers.
Best for: Travel rewards
Read full SC Journey Credit Card review with spend simulator →
3. UOB PRVI Miles Card
Issuer: UOB · Tier: Platinum · Annual fee: $256.80
UOB premium miles
Eligibility snapshot
- Min monthly income (salaried): $80,000
- Secured / FD-backed: No — standard unsecured
- Approval note: Indicative only. CBS checked by bank at application, not by CardHungry.
Reward structure
- travel: 1.4X points
- all: 1.4X points
Headline highlight: 1.4 miles/S$1 on All spends
Net value estimate (moderate spend profile)
- Gross annual rewards: $706
- Annual fee: −$257
- Forex markup cost (est.): −$39 (3.25% on international spends)
- Net annual value: $410 (1.42% effective return)
Key benefits
- 1.4 miles per S$
- Lounge access
- Travel insurance
Exclusions & fine print
Typically excluded or reduced: Insurance, Government payments, Balance transfers.
Best for: High-income travellers
Read full UOB PRVI Miles Card review with spend simulator →
4. OCBC 90°N Card
Issuer: OCBC · Tier: Platinum · Annual fee: $194.40
OCBC travel miles
Eligibility snapshot
- Min monthly income (salaried): $50,000
- Secured / FD-backed: No — standard unsecured
- Approval note: Indicative only. CBS checked by bank at application, not by CardHungry.
Reward structure
- travel: 2.1X points — cap $800/month
- all: 1.2X points
Headline highlight: 2.1 miles/S$1 on Travel
Net value estimate (moderate spend profile)
- Gross annual rewards: $603
- Annual fee: −$194
- Forex markup cost (est.): −$34 (2.8% on international spends)
- Net annual value: $375 (1.3% effective return)
Key benefits
- Travel miles
- No expiry on miles
- Travel insurance
Exclusions & fine print
Typically excluded or reduced: Insurance, Government payments, Balance transfers.
Best for: Miles collectors
Read full OCBC 90°N Card review with spend simulator →
5. Citi PremierMiles Card
Issuer: Citi · Tier: Platinum · Annual fee: $194.40
Citi miles for flyers
Eligibility snapshot
- Min monthly income (salaried): $50,000
- Secured / FD-backed: No — standard unsecured
- Approval note: Indicative only. CBS checked by bank at application, not by CardHungry.
Reward structure
- travel: 1.2X points — cap $1,000/month
- all: 1.2X points
Headline highlight: 1.2 miles/S$1 on All spends
Net value estimate (moderate spend profile)
- Gross annual rewards: $605
- Annual fee: −$194
- Forex markup cost (est.): −$39 (3.25% on international spends)
- Net annual value: $372 (1.29% effective return)
Key benefits
- Miles on all spends
- Airport lounge access
- Miles never expire
Exclusions & fine print
Typically excluded or reduced: Insurance, Government payments, Balance transfers.
Best for: Frequent flyers
Read full Citi PremierMiles Card review with spend simulator →
6. HSBC Advance Credit Card
Issuer: HSBC · Tier: Platinum · Annual fee: $194.40
HSBC Advance banking
Eligibility snapshot
- Min monthly income (salaried): $60,000
- Secured / FD-backed: No — standard unsecured
- Approval note: Indicative only. CBS checked by bank at application, not by CardHungry.
Reward structure
- travel: 2.5% cashback — cap $200/month
- all: 1% cashback
Headline highlight: 2.5% on Travel (cap S$200/mo)
Net value estimate (moderate spend profile)
- Gross annual rewards: $306
- Annual fee: −$194
- Forex markup cost (est.): −$34 (2.8% on international spends)
- Net annual value: $78 (0.27% effective return)
Key benefits
- HSBC Advance perks
- Travel rewards
- Fee waiver on spend
Exclusions & fine print
Typically excluded or reduced: Insurance, Government payments, Balance transfers.
Best for: HSBC Advance customers
Read full HSBC Advance Credit Card review with spend simulator →
Common travel miles card mistakes
- Choosing a partner card when you split spends across merchants.
- Ignoring wallet-load exclusions (PhonePe/Paytm loads often earn zero).
- Paying annual fee without hitting fee-waiver spend threshold.
- Assuming surcharge waiver equals reward rate (fuel cards).
Compare before you apply
Headline rates mislead. Compare your top two picks side-by-side or use the 2-minute quiz for a ranked shortlist including cards you may not have considered.
Disclaimer
Reward rates, caps, and fees sourced from issuer public T&Cs as of June 2026. CardHungry is a third-party platform — not a bank, not a credit bureau. Approval not guaranteed. We earn commission if approved — at no cost to you. Zero sales calls.
Your spends are different
These picks use the moderate profile above. Edit spends to re-rank this page, or take CardHungry's quiz — no CBS pull.
CardHungry is a third-party recommendation platform, not a bank or credit bureau. Approval estimates are indicative based on public eligibility criteria. Reward calculations use issuer T&Cs and may change. We earn commission if you are approved — at no cost to you.