Miles & Travel

The Miles Traveller

A clear shortlist of miles cards for Singapore travellers—compared by earn rate, useful travel benefits and who each card actually suits.

Miles earn ratesLounge accessTravel insuranceAirline flexibility

Reviewed 21 August 2026

SGroar quick pick

UOB PRVI Miles is the strongest all-rounder

Its combination of 1.4 miles per dollar locally, up to 3 miles regionally and four annual lounge visits makes it the most balanced choice for frequent travellers. HSBC TravelOne is the stronger alternative for instant in-app transfers across a broad range of airline and hotel programmes.

Compare all 7 cards

The shortlist

Choose by how you travel

Headline welcome gifts are excluded because they change frequently. The focus here is on lasting card benefits.

Best overall

UOB PRVI Miles

Earn rate

  • 1.4 miles per S$1 locally
  • 2.4 miles per S$1 overseas
  • 3 miles per S$1 in Malaysia, Indonesia, Thailand and Vietnam

Travel benefits

  • 4 complimentary airport lounge visits yearly
  • Travel cover includes S$500,000 public-conveyance personal accident and up to S$50,000 emergency medical assistance
  • Accelerated miles on selected Agoda and Expedia bookings
Best suited to

Frequent regional travellers who want strong everyday and overseas earn rates from one card.

What to watch

Foreign-currency fees apply. Bonus travel-portal rates and insurance coverage have qualifying conditions.

Check current issuer details
Best instant redemption

HSBC TravelOne

Earn rate

  • 1.2 miles per S$1 locally
  • 2.4 miles per S$1 overseas

Travel benefits

  • Instant in-app redemption to a broad range of airline and hotel partners
  • 4 complimentary airport lounge visits yearly
  • Travel insurance when the full cost of the air ticket is charged to the card
Best suited to

Travellers who do not want to commit all their points to one airline programme.

What to watch

The income requirement is S$65,000 for new HSBC customers and existing customers with a relationship balance below S$50,000; it falls to S$30,000 for eligible existing customers with at least S$50,000 maintained with HSBC.

Check current issuer details
Best for beginners

DBS Altitude

Earn rate

  • 1.3 miles per S$1 locally
  • 2.2 miles per S$1 overseas

Travel benefits

  • DBS Points do not expire
  • 2 complimentary Priority Pass visits per 12-month membership period on the Visa Signature card
  • Transfers to KrisFlyer, Asia Miles, Qantas and airasia points
Best suited to

First-time miles collectors and existing DBS customers who prefer a simple general-spend card.

What to watch

A fee applies for each points-to-miles conversion. Annual-fee waiver rules changed from August 2026.

Check current issuer details
Miles never expire

Citi PremierMiles

Earn rate

  • 1.2 miles per S$1 locally
  • 2.2 miles per S$1 overseas
  • Up to 10 miles per S$1 with selected online travel partners

Travel benefits

  • Citi Miles never expire
  • 2 complimentary airport lounge visits yearly
  • 10,000 renewal miles when the annual fee is paid
Best suited to

Occasional travellers who need more time to build a useful miles balance.

What to watch

Accelerated earn rates are restricted to selected booking channels. Check transfer fees before redeeming.

Check current issuer details
Everyday bonus miles

Standard Chartered Journey

Earn rate

  • 1.2 miles per S$1 locally
  • 2 miles per S$1 overseas
  • 3 miles per S$1 on eligible transport, food delivery and online groceries

Travel benefits

  • 2 complimentary Priority Pass visits yearly
  • Non-expiring reward points
  • Complimentary travel insurance up to S$500,000
Best suited to

Occasional travellers whose regular spending includes rides, deliveries and online groceries.

What to watch

The 3-miles rate is capped at S$1,000 of eligible bonus-category spending per statement month.

Check current issuer details
For SIA loyalists

KrisFlyer UOB

Earn rate

  • 3 KrisFlyer miles per S$1 on eligible SIA, Scoot, KrisShop, Kris+ and Pelago purchases
  • Up to 2.4 miles per S$1 on selected dining, travel, transport and online spend
  • 1.2 miles per S$1 on other eligible spend

Travel benefits

  • Miles credited directly to KrisFlyer
  • Singapore Airlines Group and Scoot privileges
  • No points-conversion step
Best suited to

Singapore Airlines and Scoot customers who want direct KrisFlyer accumulation.

What to watch

The 2.4-miles lifestyle rate requires at least S$1,000 of eligible SIA Group spending in the card membership year.

Check current issuer details
Premium SIA option

Amex KrisFlyer Ascend

Earn rate

  • 2 KrisFlyer miles per S$1 on eligible SIA Group purchases
  • 2 miles per S$1 on eligible Grab spending, subject to a monthly cap
  • 1.2 miles per S$1 on other eligible spend

Travel benefits

  • Miles credited directly to KrisFlyer
  • Annual KrisFlyer redemption voucher benefits
  • Selected Singapore Airlines and hotel privileges
Best suited to

Regular SIA flyers who can make use of its travel privileges and annual vouchers.

What to watch

The annual fee is higher than entry-level travel cards, and American Express acceptance is not universal.

Check current issuer details

Fast decision guide

Start with your travel pattern

Regional travelUOB PRVI Miles
Flexible transfersHSBC TravelOne
First miles cardDBS Altitude
Slow miles collectorCiti PremierMiles
Everyday bonus earnSC Journey
SIA or Scoot loyalistKrisFlyer UOB