Singapore’s competitive credit card market continues to evolve in 2025, and miles cards remain a top choice for frequent flyers. With travel rewards, sign-up bonuses, and premium perks, selecting the right miles card can yield significant benefits. In this article, we have provided detailed factual data and numerical comparisons for the top miles cards in Singapore, so you can choose the card that best fits your spending habits and travel goals.
What is a Sinpore Miles Card?
Miles cards reward you with airline miles for every dollar spent. These miles can be redeemed for flights, upgrades, and other travel perks. In Singapore, where travel is a lifestyle, these cards also offer benefits such as complimentary lounge access, travel insurance, and exclusive dining or entertainment offers. Generally, 1 mile is estimated to have a redemption value of about SGD 0.01 (or 1 cent), though this varies depending on the airline and redemption channel.
Factors to Consider for Top Miles Card in Singapore 2025
When selecting the best miles card, consider the following metrics:
- Annual Fee: The cost you pay yearly for premium benefits.
- Sign-Up Bonus: The initial miles credited when you meet the spending threshold.
- Miles Earning Rate: How many miles you earn per SGD spent in key spending categories (dining, overseas transactions, travel, etc.).
- Additional Perks: Other benefits like lounge access, travel insurance, or exclusive promotions.
Below is a comparison table that aggregates these key factors for four leading miles cards in Singapore for 2025.
Difference Between Top Miles Cards in Singapore 2025
| Card Name | Annual Fee (SGD) | Sign-Up Bonus (Miles) | Key Earning Rates | Notable Perks | Ideal For |
|---|---|---|---|---|---|
| DBS Altitude Visa Signature | 500 | 80,000 miles on spending SGD 8,000 within 3 months | – 1.2 miles per SGD on dining – 1.0 mile per SGD on overseas & travel spends | Complimentary airport lounge access Comprehensive travel insurance Exclusive dining & entertainment offers | Frequent travelers who seek premium privileges |
| OCBC Voyage Card | 280 | 60,000 miles on spending SGD 6,000 within 3 months | – 1.1 miles per SGD on overseas transactions – 1.0 mile per SGD on dining | Flexible miles conversion (transfer to multiple airline programs) Travel insurance coverage Dining discounts at partner restaurants | Overseas spenders and regular diners |
| Citi PremierMiles Card | 380 | 70,000 miles on spending SGD 7,000 within 3 months | – 1.3 miles per SGD on dining – 1.0 mile per SGD on all other spend categories | Extensive airline partnership network Access to exclusive events Travel insurance benefits | Global travelers seeking flexible redemption options |
| UOB PRVI Miles Card | 150 | 40,000 miles on spending SGD 4,000 within 3 months | – 1.0 mile per SGD on everyday spending (including dining, groceries) | Lower annual fee with consistent rewards Travel deals and periodic bonus mile promotions | Budget-conscious travelers who want steady rewards |
Details of Each Miles Card in Singapore 2025
1. DBS Altitude Visa Signature Card
- Annual Fee & Bonus Value: At an annual fee of SGD 500, the card offers a robust sign-up bonus of 80,000 miles. Given the conversion rate (approximately SGD 800 in flight value when redeemed wisely), this bonus quickly offsets the fee for a frequent traveler.
- Earning Potential: With 1.2 miles earned per SGD on dining expenses, if you spend SGD 2,000 per month on food and beverages alone, you could earn approximately 28,800 miles annually just from dining.
- Perks: Complimentary access to major airport lounges across Asia (e.g., Plaza Premium Lounge at Changi Airport), full travel insurance covering trip delays and medical emergencies, and exclusive offers with partner restaurants make this card ideal for premium users.
2. OCBC Voyage Card
- Cost Efficiency: With a lower annual fee of SGD 280, the OCBC Voyage Card is designed for travelers who spend frequently overseas. A sign-up bonus of 60,000 miles provides an immediate boost.
- Spending Categories: Earning 1.1 miles per SGD on overseas transactions can be particularly beneficial for expatriates or travelers. For instance, spending SGD 3,000 monthly abroad could yield over 39,600 bonus miles annually.
- Redemption Flexibility: The card’s ability to convert miles to multiple airline partners provides flexibility, making it attractive for those who travel with various carriers.
3. Citi PremierMiles Card
- Global Reach: With an annual fee of SGD 380 and a bonus of 70,000 miles, Citi PremierMiles caters to global travelers who value a wide network of airline partners. The card’s earning rate of 1.3 miles per SGD on dining can accelerate your rewards.
- Airline Partnerships: Citi’s extensive network means you can transfer miles to top carriers like Singapore Airlines, Emirates, or Qantas, optimizing redemption based on your travel plans.
- Exclusive Offers: Additional perks include exclusive access to Citi-sponsored events and promotions, enhancing the overall travel experience.
4. UOB PRVI Miles Card
- Value Proposition: At just SGD 150 annual fee, UOB PRVI is the most cost-effective option for those who prefer steady, everyday rewards.
- Everyday Spending: Earning a flat rate of 1.0 mile per SGD on daily expenses ensures that even modest spending translates into rewards. For example, if you spend SGD 1,500 monthly on routine purchases, you could accumulate around 18,000 miles annually.
- Additional Benefits: While not as premium in terms of perks, UOB PRVI provides regular bonus mile promotions and access to travel deals, making it a strong contender for the budget-minded traveler.
Maximizing Your Miles – Practical Tips
- Meet the Minimum Spend: Ensure you reach the minimum spend requirement (e.g., SGD 8,000 for DBS Altitude) within the stipulated time (usually 3 months) to unlock the sign-up bonus.
- Target Bonus Categories: Direct your spending toward categories with higher miles rewards (e.g., dining on DBS Altitude or overseas transactions on OCBC Voyage).
- Combine with Airline Programs: Link your card’s miles program with your preferred airline’s frequent flyer program to enjoy maximum redemption flexibility.
- Monitor Promotions: Banks frequently run limited-time promotions that can further boost your miles earnings. Stay updated via the bank’s official websites or financial news portals.
Summary
Selecting the best miles card in Singapore for 2025 hinges on your spending patterns and travel preferences. If you’re a frequent traveler who values premium perks and lounge access, the DBS Altitude Visa Signature Card is a strong choice despite its higher fee. For those who travel overseas frequently or prefer lower fees, the OCBC Voyage or UOB PRVI Miles Cards offer excellent value. Meanwhile, the Citi PremierMiles Card caters to global travelers seeking flexible redemption options across multiple airlines.
By comparing sign-up bonuses, annual fees, earning rates, and additional perks, you can choose the card that maximizes your travel rewards and fits your lifestyle. Use this data-driven guide as a reference to make an informed decision that truly makes every SGD spent count towards your next adventure.
