Best Singapore Airlines credit cards

If you're a fan of Singapore Airlines and love collecting miles for your next trip, having a Singapore Airlines credit card could be the way to go. Not only can you earn miles on daily spending, but you can also enjoy perks to make your flying experience more enjoyable.

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Updated 7 May 2025   |   Rates updated regularly

Comparing of 14 Best Singapore Airlines credit cards

American Express Singapore Airlines Business Credit Card

On website

FeaturedApply by 28 May 2025

American Express Singapore Airlines Business Credit Card

Cashback

N/A

Cashback cap

N/A

Minimum spend

N/A

Sign up bonus

Receive S$300 Statement Credits

Highlights

  • Receive S$300 statement credits with annual fee payment and minimum spend of S$3,000 within the first 2 months of card approval for general business expenses. Terms and conditions apply.
  • Earn up to 8 HighFlyer points per S$1 spent on eligible Singapore Airlines Group flights.
  • Earn 1.8 HighFlyer points per S$1 on all other eligible business expenditures.

Pros

  • Unlock generous welcome offers upon approval.
  • Enjoy Priority Pass membership with two complimentary lounge visits per year, valid for you and a guest.
  • Fast-track to KrisFlyer Elite Gold status by spending S$15,000 on Singapore Airlines Group within the first 12 months.
  • Receive a complimentary annual night’s stay across Asia Pacific, valued at S$418, with Accor Plus membership.
  • Benefit from up to 51 interest-free days on your purchases.

Cons

  • The annual fee of S$400 p.a (inclusive of 9% GST).
HSBC Advance Credit Card

On website

HSBC Advance Credit Card

Cashback

2.50% on any spend

Cashback cap

$70.00 on any spend

Minimum spend

N/A

Sign up bonus

Apply and get approved for your new card to receive S$200 cashback or a Samsonite ZELTUS 69cm Spinner Exp with built-in scale when you spend S$500. Spend an additional S$500 and enjoy another S$100 cashback.T&Cs apply.

Highlights

  • Get up to 2.5% Base Cashback on local and overseas spend (Terms and Conditions apply).
  • Get an additional 1% Bonus Cashback with HSBC Everyday+ Rewards Programme.
  • 1-year annual credit card fee waiver.

Pros

  • Earn up to 2.5% cashback when you meet the criteria.
  • No minimum spend is required.
  • Split your purchases into installments at 0% interest over 3 to 24 months.
  • Comes with complimentary travel insurance.
  • Enjoy shopping, dining, and travel deals.

Cons

  • The annual fee reverts to S$196.20 p.a. after the initial year (waived if you spend S$2,000 per month every year).
  • The ongoing interest rate of 27.80% p.a.
  • Cashback is capped at S$70 a month.
HSBC Revolution Credit Card

On website

HSBC Revolution Credit Card

Cashback

N/A

Cashback cap

N/A

Minimum spend

N/A

Sign up bonus

Apply and get approved for your new card to receive S$200 cashback or a Samsonite ZELTUS 69cm Spinner Exp with built-in scale when you spend S$500. Spend an additional S$500 and enjoy another S$100 cashback.T&Cs apply.

Highlights

  • Up to 10X Reward points on online purchases and contactless payments (equivalent to 4 miles per S$1 spend).
  • 1X Reward point per S$1 spend on other purchases.
  • No minimum spend is required.
  • $0 annual credit card fee.

Pros

  • Earn 10x rewards points on online and contactless spending.
  • Get an additional 1% Bonus Cashback with HSBC Everyday Global Account
  • S$0 p.a. annual fee.
  • Includes travel insurance coverage against flight inconvenience and personal accidents.
  • Get instant discounts of up to 14% off at Shell stations and 16% off petrol at Caltex stations.

Cons

  • There is a 10,000 monthly cap on rewards points earned (online and contactless spending only).
American Express Platinum Charge Card

Not available for application via this website

Apply by 28 May 2025

American Express Platinum Charge Card

Cashback

N/A

Cashback cap

N/A

Minimum spend

N/A

Sign up bonus

Get 100,000 air miles when you meet the criteria. Terms and Conditions apply.

Highlights

  • Get 100,000 air miles (awarded as 160,000 Membership Rewards points) when you spend S$8,000 in the first 3 months and pay the annual fee.
  • Relax before your flight with unlimited access to over 1,400 airport lounges for you, a Supplementary Card Member, and one guest each.
  • Get up to S$1,000 in yearly statement credits across dining, travel, lifestyle, fashion, and entertainment with qualifying spends.
  • Book premium hotel stays and unlock exclusive perks at participating properties worldwide.

Pros

  • Earn 10 Membership Rewards points per S$1 spent at Platinum 10Xcelerator partners (on cumulative spend up to S$16,000 annually).
  • Continue earning 10 points per S$1 at these partners even after the cap is reached.
  • Get 5 points per S$1 on Singapore Airlines and Scoot flights, and 2 points per S$1 on all other purchases.
  • Receive up to S$200 Airline Credit each year with eligible spend on Singapore Airlines or Scoot.
  • Enjoy up to S$400 in Global Dining Credits annually when you dine locally or overseas.
  • Unwind with S$400 in Lifestyle Credits each year on fine wines, spa treatments and more.
  • Get up to S$17 monthly to spend on streaming or event platforms like Disney+, Netflix, and Ticketmaster.
  • Use S$150 Fashion Credit yearly at NET-A-PORTER and MR PORTER.
  • Access Platinum concierge service for travel planning, dining reservations, and lifestyle requests.

Cons

  • The annual fee is S$1,744 p.a. (inclusive of 9% GST)
American Express Singapore Airlines KrisFlyer Ascend Credit Card

Not available for application via this website

Cashback

N/A

Cashback cap

N/A

Minimum spend

N/A

Sign up bonus

Receive up to 40,000 KrisFlyer miles when you meet the criteria. Terms and Conditions apply.

Highlights

  • Earn up to 40,000 KrisFlyer miles as a welcome bonus. Receive 40,000 miles with annual fee payment and a minimum spending of S$2,000 within the first 3 months of Card approval. Available to new American Express Card Members. Terms and Conditions apply.
  • Get a complimentary one-night stay at Hilton Properties in the Asia Pacific and 4 complimentary lounge access passes each year with exclusive Hertz privileges worldwide.
  • Accelerated upgrade to KrisFlyer Elite Gold Membership with a minimum spend of $16,000 on singaporeair.com within the first 12 months of card approval. This comes with an additional 20kg baggage allowance and other priority privileges.

Pros

  • Enjoy an accelerated upgrade to KrisFlyer Elite Gold membership with a minimum spend of $16,000 on SIA within 12 months of getting your card.
  • On top of 1.2 KrisFlyer Miles per 1$ on local spend, you can earn KrisFlyer Miles at accelerated rates when spending overseas, for transactions with Grab, Singapore Airlines, and KrisShop.
  • Includes travel inconvenience and travel accident benefits.
  • Annual supplementary card fee is waived in the first year.

Cons

  • Min annual income of $50,000 for citizens/PRs and $60,000 for foreigners.
  • The annual fee is $397.85 (inclusive of 9% GST)
  • Free travel insurance only when your air ticket is charged to your card.
  • Supplementary cards have a fee of $81 p.a. second year onwards.
  • Late payment fee is $100.

American Express Platinum Credit Card

Not available for application via this website

Cashback

N/A

Cashback cap

N/A

Minimum spend

N/A

Sign up bonus

N/A

Highlights

  • Receive up to S$400 cashback. Get S$200 cashback with annual fee payment and minimum spend of S$1,000 within first month of card approval if you are new to American Express. Plus earn up to S$200 cashback when you spend at participating lifestyle brands. Terms and Conditions apply.
  • Earn 10 membership rewards points at Platinum 10Xcelerator Partners.
  • 2 membership rewards points on all other purchases.

Pros

  • Get up to $400 cashback when you meet the criteria.
  • The first 2 Supplementary Cards fees are permanently waived.
  • Redeem points at the Membership Rewards Catalogue or pay with points to downsize your card bills.

Cons

  • The annual fee is $327 p.a. (inclusive of 9% GST).
American Express Singapore Airlines KrisFlyer Credit Card

Not available for application via this website

Apply by 28 May 2025

American Express Singapore Airlines KrisFlyer Credit Card

Cashback

N/A

Cashback cap

N/A

Minimum spend

N/A

Sign up bonus

Receive up to 17,000 KrisFlyer miles. Terms and Conditions apply.

Highlights

  • Receive up to 17,000 KrisFlyer miles with min. spending of S$1,000 within first month of Card approval if you are new to American Express, Terms and Conditions apply.
  • First-year fee waiver for main cardholder and supplementary card.
  • Get $150 cashback for use on your next purchase on singaporeair.com when you spend $12,000 on eligible purchases with your Card from 1 July 2024 to 30 June 2025.
  • Earn 2 KrisFlyer miles Singapore Airlines, Scoot, and KrisShop transactions.

Pros

  • First year fee waiver
  • Earn 2 miles per $1 spend on Grab rides, up to $200 each month.
  • All other purchases earn you 1.1 miles per $1 spend.
  • All miles are auto-credited to your KrisFlyer account, sparing you the hassle.

Cons

  • Min annual income of $30,000 for citizens/PRs and $45,000 for foreigners.
  • Annual fee waived the 1st year, but $179.85 for the principal card and $54.50 for each supplementary card thereafter.
  • Free travel insurance only when your air ticket is charged to your card.

Citi Rewards Credit Card

Not available for application via this website

Citi Rewards Credit Card

Cashback

N/A

Cashback cap

N/A

Minimum spend

N/A

Sign up bonus

Get 40,000 bonus Citi ThankYou Points when you apply, get approved, and spend S$800 or more in the first 2 months. Terms and Conditions apply.

Highlights

  • Earn 10X Reward on online purchases and shopping purchases.
  • Earn 10X Reward on rides with Grab, Gojek, and more.
  • Earn 10X Reward on online food delivery.
  • Earn 10X Reward on online groceries.

Pros

  • All other purchases still earn you a 1X Reward.
  • The first-year annual fee is waived.
  • Enjoy complimentary travel insurance when you use your card to purchase an airline ticket.
  • Get deals and discounts with Citi World Privileges.

Cons

  • Annual fee is waived for the 1st year, but $196.20 for the principal card and $98.10 for the supplementary card after.
  • There is a 3.25% foreign conversion fee.
  • Sign-up promo is only applicable to new Citi cardholders.
  • A rewards cap applies.
OCBC Rewards Credit Card

On website

OCBC Rewards Credit Card

Cashback

N/A

Cashback cap

N/A

Minimum spend

N/A

Sign up bonus

N/A

Highlights

  • Earn 15 OCBC$ per S$1 at featured retailers that change every quarter, keeping things fresh.
  • Rack up 10 OCBC$ per S$1 on everyday retail spending, both online and in-store.
  • Redeem OCBC$ for cash rebates, air miles, vouchers, gifts, or unique experiences.
  • Score an extra 2% cash rebate when you buy electronics at BEST Denki.

Pros

  • Annual fee is waived for the first 2 years.
  • Points can be redeemed for miles, vouchers, or cash rebates to offset purchases.
  • Earn up to 180,000 bonus OCBC$ each year.
  • Comes with exclusive access to dining perks, curated experiences, and e-commerce protection.
  • Get 15 OCBC$ (6 air miles) per S$1 spent at Watsons and department stores — a limited-time boost from the usual 4 miles.

Cons

  • Minimum annual income requirement of S$30,000 for Singaporeans/PRs and S$45,000 for foreigners.
  • After the 2-year waiver, the annual fee is S$196.20 for the main card and S$98.10 for each supplementary card.
Citi Prestige Credit Card

Not available for application via this website

Citi Prestige Credit Card

Cashback

N/A

Cashback cap

N/A

Minimum spend

N/A

Sign up bonus

Get 145,000 bonus Citi ThankYou Points when you apply, get approved, and spend S$2,000 or more in the first 2 months. Terms and Conditions apply.

Highlights

  • Earn 5 ThankYou points (2 miles) per $1 overseas spend and 3.25 ThankYou points (1.3 miles) per $1 local spend.
  • Get a complimentary 4th-night stay at any hotel or resort.
  • Enjoy six complimentary golf games in Singapore, China, Indonesia, and Malaysia.
  • A concierge team to support your lifestyle at home and abroad

Pros

  • Earn 2 miles per $1 overseas spend and 1.3 miles per $1 local spend, miles won't expire on you.
  • No cap on ThankYou points.
  • Access to over 1,000 airport lounges with Priority Pass membership.
  • Up to $1 million travel insurance coverage is awesome.
  • Travel like a boss! Complimentary one-way Airport Limousine transfers to or from Changi International Airport.
  • Fly and stay with no blackout dates all year round.

Cons

  • The high annual fee of S$540 p.a.
  • A minimum income of S$120,000 a year is required to be eligible for this card.
  • Free travel insurance only when your air ticket is charged to your card.
OCBC Platinum Credit Card

On website

OCBC Platinum Credit Card

Cashback

N/A

Cashback cap

N/A

Minimum spend

N/A

Sign up bonus

N/A

Highlights

  • Earn 5 OCBC$ for every S$5 spent on your card.
  • Get access to lifestyle perks and family-friendly deals across travel, dining, health, and wellness.
  • Redeem points easily through the OCBC Rewards Catalogue for vouchers, products, or experiences.

Pros

  • Unlock hotel, flight, and travel package deals perfect for planning family getaways.
  • Enjoy dining promotions across a wide range of restaurants and cuisines.
  • Annual fee is waived for the first 2 years.
  • Use your OCBC$ to redeem air miles, vouchers for petrol or shopping, or offset your purchases instantly with cash rebates.

Cons

  • After the first 2 years, the annual fee kicks in at S$163.50 for the principal card and S$81.75 for each supplementary card.
Citi PremierMiles Card

Not available for application via this website

Citi PremierMiles Card

Cashback

N/A

Cashback cap

N/A

Minimum spend

N/A

Sign up bonus

Get 30,000 bonus Citi ThankYou Points when you apply, get approved, and spend S$800 or more in the first 2 months. Terms and Conditions apply.

Highlights

  • Earn 2.2 Citi Miles per S$1 spent overseas and 1.2 Citi Miles per S$1 spent locally.
  • Get 10,000 bonus Citi Miles every year when you renew your card.
  • Relax before your flight with access to over 1,000 airport lounges via Priority Pass.
  • Travel with peace of mind with complimentary coverage of up to S$1 million.

Pros

  • Redeem S$1 with just 100 Citi Miles+ until 15 July 2025.
  • Miles never expire, giving you flexibility to redeem them when it suits you.
  • A wide range of airline and hotel transfer partners to choose from.
  • Enjoy Citi World Privileges with dining, shopping, and travel offers worldwide.
  • Access a large global network of airport lounges with a Priority Pass membership

Cons

  • Annual fee of $196.20 p.a. for the principal card.
  • Priority Pass membership is free for the principal cardholder only, expect to apply for it, and is limited to 2 free lounge visits each year.
  • Free travel insurance only when your air ticket is charged to your card.
OCBC 90°N Card

Not available for application via this website

OCBC 90°N Card

Cashback

N/A

Cashback cap

N/A

Minimum spend

N/A

Sign up bonus

N/A

Highlights

  • Earn 2.1 Miles per S$1 on foreign currency spend (Miles will be awarded as 90°N Miles in blocks of S$5 per transaction)
  • Earn 1.3 Miles per S$1 on local spend
  • Waived annual fee on the first year.

Pros

  • Earned miles never expire,
  • No minimum spend required
  • No cap on miles earned.

Cons

  • After the first year, you will be charged an annual fee of S$54.00 for the principal card and S$54.00 if you have an additional card.
UOB KrisFlyer Credit Card

Not available for application via this website

UOB KrisFlyer Credit Card

Cashback

N/A

Cashback cap

N/A

Minimum spend

N/A

Sign up bonus

Apply now and get up to 31,000 miles. Terms and Conditions apply.

Highlights

  • Earn 3 KrisFlyer miles per $1 spend on Singapore Airlines, Scoot, KrisShop, and Kris+ purchases.
  • Earn up to 3 KrisFlyer miles per $1 spend on dining, food delivery, online shopping and travel, and transport transactions.
  • Earn 1.2 KrisFlyer miles per $1 spend on all other eligible transactions.

Pros

  • Enjoy a KrisShopper Complimentary Tier Upgrade.
  • S$10 off dining, retail with Kris.
  • Get S$15 off on Grab rides.
  • Includes a number of Travel Privileges like Travel Insurance, a S$20 rebate at KrisShop, Scoot Perks, and more.

Cons

  • The interest rate is at 26.9% p.a.
  • Minimal 1.2 KrisFlyer miles per $1 spend on all other eligible transactions.

Who are Singapore Airlines credit cards suitable for?

  • SQ fans. Frequent flyers who prefer Singapore Airlines as their airline of choice — it is the flag carrier, after all — and want to earn KrisFlyer points.
  • Travel enthusiasts. Looking for premium perks and travel benefits? A credit card linked with Singapore Airlines could be what you are looking for.
  • Points hounds. People looking to get rewarded per dollar spent.

What to compare for Singapore Airlines credit cards

There are a lot of credit cards linked with Singapore Airlines. When comparing the credit card market, make sure to compare the following aspects:

  • Miles earning rate. How many miles do you earn per dollar spent?
  • Tiers. Does the miles per dollar (MPD) earn rate reduce after a certain interval? Would you trigger it in a normal month?
  • Caps. Is there a limit on the total number of miles that can be earned?
  • Welcome bonus. How generous is the welcome bonus for new users? Who is eligible to get it, and can you trigger it without much difficulty?
  • Perks and benefits. What additional benefits, like airport lounge access and no foreign transaction fees, come with the card?
  • Annual fee. Is the annual fee justifiable for the benefits provided?

How to compare Singapore Airlines credit cards

Choosing the right credit card to suit your needs can seem overwhelming, especially since there are so many offers.

To make the process smoother, here are some detailed steps to follow when comparing Singapore Airlines credit cards.

Identify your spending habits and travel preferences

Review your monthly expenses and identify your primary spending areas.

  • Do you spend more on dining, shopping, or travel?
  • Do you travel frequently with Singapore Airlines or its partner airlines?

Understanding your spending and travel preferences is the first step in picking the right card.

Find cards with high earn rates

Once you know your spending pattern, look for cards that reward your specific spending categories with a higher miles earning rate.

  • Some cards may offer more miles per dollar spent on dining, while others may reward travel expenses more generously.
  • If you are a high-spender, you're more likely to be affected by any caps and tiers.

Compare welcome bonuses and annual fees

Welcome bonuses can be a lucrative incentive when applying for a new credit card, so long as you meet a certain spending threshold.

However, don't forget to factor in annual fees. Some cards may waive the annual fee for the first year, while others might offer benefits that outweigh the cost.

Is the card still good value for you, assuming you get the welcome bonus and have to pay an annual fee?

Consider the value of additional perks

Beyond miles, some cards offer additional benefits such as airport lounge access, travel insurance, or complimentary hotel stays.

Consider how much value these benefits would add to your travel experience and whether you would even use them.

Research conversion process and rates

If you are considering a card that earns points in a bank's reward program — DBS and Citi are two prominent examples — be sure to understand how those points are transferred and converted to KrisFlyer miles.

The main thing to watch out for is the conversion rate, since it may not be one-to-one.

Pros and cons

Pros

  • Earn KrisFlyer Miles for everyday spending.
  • Chance to enjoy premium travel perks and benefits.

Cons

  • Annual fees might not be worth the benefits for infrequent travellers.
  • Maximising rewards can lead to spending more and the potential to build debt.

FAQs

What is the difference between general rewards and Singapore Airlines credit cards?

A general rewards card will allow you to earn miles on a variety of airlines, while a Singapore Airlines credit card is focused on earning and redeeming miles specifically for Singapore Airlines KrisFlyer. The latter may also come with additional perks and privileges, such as lounge access.

Can I transfer my current rewards points to KrisFlyer miles?

Many rewards programs in Singapore allow you to convert your points into KrisFlyer miles. Conversion rates vary depending on your card's rewards program.

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