Best miles credit cards in Singapore (2026)

There is no one best miles card. The card that earns you the most depends on what you spend on each month. Here’s how the winner changes.

Card data last reviewed 15 Jul 2026

The best miles card for you changes with how you spend

Each example below shows estimated miles earned, assuming $1,500 of monthly spend split as shown in the appendix.

Online shopper

Top miles cards

  • HSBC Revolution
    2.4 mpd gives 3,600 miles/month
  • DBS Woman's World
    2.3 mpd gives 3,480 miles/month
  • Citi Rewards
    2.3 mpd gives 3,480 miles/month

Foodie

Top miles cards

  • UOB Lady's Solitaire
    2.8 mpd gives 4,200 miles/month
  • HSBC Revolution
    2.4 mpd gives 3,600 miles/month
  • UOB Lady's
    2.3 mpd gives 3,480 miles/month

Daily commuter

Top miles cards

  • UOB Lady's Solitaire
    2.8 mpd gives 4,200 miles/month
  • HSBC Revolution
    2.4 mpd gives 3,600 miles/month
  • KrisFlyer UOB
    2.2 mpd gives 3,360 miles/month

Family and groceries

Top miles cards

  • UOB Lady's Solitaire
    3 mpd gives 4,560 miles/month
  • UOB Lady's
    2.3 mpd gives 3,480 miles/month
  • HSBC Revolution
    1.6 mpd gives 2,400 miles/month

Figures are the miles you would earn each month across the whole spend pattern. Caps on miles and minimum-spend rules applied.

Miles cards pay their top rate in only a few bonus categories and drop to a low base rate everywhere else. So the card that wins depends on where your money goes. A card that looks unbeatable can fall behind the moment your spending shifts. One strong all-rounder here earns almost nothing on groceries, so it loses to a card built for that spend.

Where each card earns its miles

Most miles cards earn a high rate in just a few categories and very little elsewhere. This shows the miles earned per dollar in each category. Notice how every card has its own strong and weak spots.

CardDiningGroceriesTransportOnlineTravelCap /mo
HSBC Revolution40.44443,600
UOB Lady's4440.443,600
Citi Rewards0.40.40.440.44,000
Standard Chartered Journey1.21.231.21.23,000
KrisFlyer UOB2.41.22.42.42.4n/a
Maybank Horizon Visa Signature0.20.20.20.22.8n/a
Fewer milesMore milesBest in column

Cap is the most miles a card pays each month. n/a means we do not list a cap for that card.

Miles per dollar in each category, once you meet the card's minimum spend. Caps on miles and minimum-spend rules applied.

Some cards earn their top rate only on categories you choose, so a card can lead more than one column while you pick which categories it applies to.

Discover the card best suited for your spend

The spend patterns behind these numbers

Each example assumes about $1,500 of total monthly spend, split across categories as shown.

Online shopper

$1,500/mo total
  • Online$800
  • Dining$300
  • Groceries$200
  • Transport$200

Foodie

$1,500/mo total
  • Dining$800
  • Online$300
  • Transport$200
  • Groceries$200

Daily commuter

$1,500/mo total
  • Transport$700
  • Dining$300
  • Online$300
  • Groceries$200

Family and groceries

$1,500/mo total
  • Groceries$800
  • Dining$300
  • Transport$200
  • Other$200

Common questions

What is the best miles card in Singapore?+
There is no single best miles card. The winner depends on your spend pattern. A card that tops the list for an online shopper can fall behind for someone who spends mostly on groceries. The most miles come from matching a card’s bonus categories to where you actually spend.
Why do miles cards earn so little on some spend?+
Most miles cards pay a high rate in a few bonus categories and a low base rate on everything else. Spend outside the bonus categories and you earn far fewer miles, which is why the same card can look great for one person and poor for another.
Are miles better than cashback?+
It depends on what you want. Miles suit frequent flyers who redeem for flights. Credit Cat keeps the two separate and never converts miles into dollars, so comparisons are more objective.

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