Compare Singapore Credit Cards for KrisFlyer Miles
Enter your monthly spend to see an estimated projection of your potential miles.
Set your spend per category. Cards are ranked using actual bonus rates and caps.
Total Monthly
S$2,900
Rankings recalculate instantly. Caps are applied per-category. No data is collected.
| Card Name & Bank | Base Rate | Overseas | Category Bonus | Cap /mo | Annual Fee | Projected Miles |
|---|---|---|---|---|---|---|
 UOB PRVI Miles Visa/Mastercard UOB | 1.4 mpd | 2.4 mpd | Foreign Currency (2.4)Travel (8.0) | No Cap | S$261.6 | 70,560 Annual KF Miles |
 Citi PremierMiles Citi | 1.2 mpd | 2.2 mpd | Foreign Currency (2.2)Travel (10.0) | No Cap | S$196.2 | 68,880 Annual KF Miles |
 OCBC 90°N Card OCBC | 1.3 mpd | 2.1 mpd | Foreign Currency (2.1)Travel (7.0) | No Cap | S$196.2 | 63,720 Annual KF Miles |
 SC Visa Infinite Card Standard Chartered | 1.4 mpd | 3 mpd | Foreign Currency (3.0) | No Cap | S$599.5 | 58,320 Annual KF Miles |
UOB PRVI Miles Visa/Mastercard
UOB
70,560
Annual KF Miles
1.4
Base
2.4
Overseas
No Cap
Cap
$261.6
Fee
Citi PremierMiles
Citi
68,880
Annual KF Miles
1.2
Base
2.2
Overseas
No Cap
Cap
$196.2
Fee
OCBC 90°N Card
OCBC
63,720
Annual KF Miles
1.3
Base
2.1
Overseas
No Cap
Cap
$196.2
Fee
SC Visa Infinite Card
Standard Chartered
58,320
Annual KF Miles
1.4
Base
3
Overseas
No Cap
Cap
$599.5
Fee
Portfolio Strategy
The Trifecta Strategy
Maximum Efficiency: The Multi-Card Approach
In this scenario, pairing SC Visa Infinite Card as catch-all base card, UOB Lady's Card for Dining and Citi Rewards Card for Online. This portfolio may yield 2.3 mpd across S$2,900/mo total spend.
SC Visa Infinite Card
Travel: S$200 · Foreign Currency: S$500 · General: S$1,500
46,560
miles/year
UOB Lady's Card
Dining: S$400
19,200
miles/year
Citi Rewards Card
Online: S$300
14,400
miles/year
Avg. Portfolio Yield
2.3 mpd
Total Yearly Miles
80,160
Where Can You Fly This Year?
Based on an estimated 60,120 KrisFlyer miles projected by Dec with this trifecta (9 months left). Economy return.
How Miles Earnings Are Calculated
Card rankings on this page are dynamically calculated using the latest 2026 miles-per-dollar metrics, category spending caps, minimum income thresholds, and active annual fees sourced from official banking portals in Singapore. The system projects estimated monthly and yearly mileage returns by parsing your configurable monthly spend across common categories (e.g., dining, travel, local retail) against each card's unique matrix. Spending limits, such as the S$1,000 caps explicitly defined for cards like the Citi Rewards and DBS Woman's World, are factored into the calculation algorithm to provide realistic projections. These projections are for illustrative purposes only and do not constitute financial advice.
Highest Earning Cards by Category
For heavy online spend, both the Citi Rewards and DBS Woman's World are leading options at 4 mpd (capped at S$1,000/month). The UOB PRVI Miles serves as a highly competitive card for uncapped generic output, generating 1.4 mpd locally and 2.4 mpd overseas. Frequent travellers leveraging specific portals can access accelerated multipliers like Citi PremierMiles (up to 10 mpd on Kaligo) or SC Visa Infinite (3 mpd on broad overseas blocks). The UOB KrisFlyer locks in 3 mpd across everyday sectors purely upon hitting an S$800 SIA annual threshold. Terms and conditions apply for all card benefits and promotional rates.
Annual Fee vs Miles Value
Fees range dramatically across the spectrum—from free (HSBC Revolution) all the way up to S$599.50 (SC Visa Infinite). Premium cards with high annual fees typically compensate by offering extensive travel privileges; for instance, the AMEX KrisFlyer Ascend offsets its S$370.60 cost via complimentary Hilton status and lounge access. Conversely, zero-fee options like the HSBC Revolution carry strong entry-level value but restrict accelerated earning to specific contactless and online shopping categories (defaulting to a 0.4 mpd base rate on exclusions like travel and physical dining).
Frequently Asked Questions
What are the top miles credit cards in Singapore in 2026?
The most suitable miles card depends on spending patterns. For uncapped everyday spending, the UOB PRVI Miles (1.4 mpd local, 2.4 mpd overseas) is a highly competitive all-rounder. For online shopping, the DBS Woman's World and Citi Rewards earn 4 mpd (capped at S$1,000/month). For Singapore Airlines loyalists, the UOB KrisFlyer Card earns 2.4 mpd uncapped on dining, online, and transport. For those seeking a card with no annual fee, the HSBC Revolution earns 4 mpd with no annual fee.
What does mpd mean?
Mpd stands for miles per dollar. It measures how many airline miles a credit card earns for every dollar spent. A card earning 2 mpd generates 2 airline miles for each S$1 charged. Higher mpd rates mean faster miles accumulation towards free flights.
How many miles do I need for a flight from Singapore to Tokyo?
A one-way KrisFlyer Saver Award flight from Singapore to Tokyo in Economy class requires approximately 25,500 miles. Business class requires approximately 54,500 miles one-way. Availability varies by date, and peak pricing tiers may require more miles. Round-trip flights require double the one-way mileage.
How do I transfer bank points to KrisFlyer?
Most bank reward points can be transferred to KrisFlyer through the bank's online rewards portal or mobile app. Citi Miles, DBS Points, UOB UNIS$, and OCBC TravelS$ each have their own transfer process. Transfers typically take 1-5 business days. Direct KrisFlyer co-brand cards (UOB KrisFlyer, AMEX KrisFlyer) credit miles automatically without a transfer step.
Do KrisFlyer miles expire?
KrisFlyer miles expire 36 months after they are earned. However, bank reward points may have different expiry policies. Citi PremierMiles and DBS Altitude points do not expire. However, UOB UNI$ expire after 2 years, Citi ThankYou Points (from Citi Rewards) expire after 5 years, and DBS points from the Woman's World card expire after just 1 year. UOB UNIS$ expire after 2 years. OCBC TravelS$ do not expire. Check each bank's terms before transferring to KrisFlyer.
Can I combine miles from different credit cards into one KrisFlyer account?
Yes. Miles from different bank cards can be combined by transferring reward points from multiple cards to the same KrisFlyer membership number. Cards from different banks can all feed into one account. Direct co-brand cards must be linked to the same KrisFlyer account during application.
Which Singapore credit card earns the most miles per dollar?
Cards with 4 mpd category bonuses (Citi Rewards, DBS Woman's World, HSBC Revolution) earn the highest rate but are capped at S$1,000/month per eligible category. For uncapped earning, the UOB PRVI Miles leads at 1.4 mpd local and 2.4 mpd overseas. The SC Visa Infinite earns 3 mpd overseas and 1.4 mpd locally but requires a minimum S$2,000 monthly spend.
Are miles earned on credit card annual fee payments?
Most Singapore credit cards do not award miles on annual fee charges. The annual fee is typically excluded from miles-earning transactions. Check specific card terms as policies vary by issuer.
Are these rates guaranteed?
No. Banks change miles-per-dollar rates, caps, and eligible categories regularly. The numbers shown are projections based on rates verified at the date noted, not guarantees of future earnings.
Last verified: April 2026
Explore Individual Cards
UOB KrisFlyer Card
UOB · 1.2 mpd base
AMEX KrisFlyer Credit Card
American Express · 1.1 mpd base
AMEX KrisFlyer Ascend
American Express · 1.2 mpd base
Citi PremierMiles
Citi · 1.2 mpd base
Citi Rewards Card
Citi · 0.4 mpd base
DBS Altitude Visa Signature
DBS · 1.3 mpd base
UOB PRVI Miles Visa/Mastercard
UOB · 1.4 mpd base
HSBC Revolution Card
HSBC · 0.4 mpd base
DBS Woman's World Card
DBS · 0.4 mpd base
OCBC 90°N Card
OCBC · 1.3 mpd base
Maybank Horizon Visa Signature
Maybank · 1.2 mpd base
UOB Lady's Card
UOB · 0.4 mpd base
SC Visa Infinite Card
Standard Chartered · 1.4 mpd base
SC Journey Credit Card
Standard Chartered · 1.2 mpd base
SGfi is for educational purposes and does not constitute financial advice. Not affiliated with the CPF Board or MAS. Please consult a licensed professional before making financial decisions.
SGfi may receive compensation from partners featured on this site. Rates shown are based on publicly available information and may change. All miles values are projected estimates based on the KrisFlyer Award Chart. Actual availability may vary.
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