Compare KrisFlyer Credit Cards — Singapore 2026
Side-by-side comparison of miles per dollar rates, spending caps, annual fees, and projected miles across 9 Singapore credit cards.
Rankings based on entered spending amounts. No categories pre-selected.
Card information based on publicly available data as of April 2026.
How Miles Earnings Are Calculated
Card rankings on this page are generated using publicly listed miles-per-dollar rates, spending caps, and annual fees from official bank websites. The comparison calculates projected monthly and annual miles based on a configurable total monthly spend (default $3,000) distributed across common spending categories. Cards are ranked by total projected miles, factoring in category-specific earn rates and any monthly or annual caps. No affiliate relationship or sponsorship influences the ranking order. The calculator does not account for sign-up bonuses, promotional rates, or limited-time offers — only base and category earn rates as published by the issuing banks.
Highest Earning Cards by Category
For foreign currency transactions, the Citi PremierMiles leads at 4 mpd with no published cap. For online shopping, the DBS Altitude earns 3 mpd with a $5,000/month cap, while the HSBC Revolution and DBS Woman's World Card both reach 4 mpd but with lower caps ($1,000 and $2,000 combined respectively). For flat-rate earning across all categories, the UOB PRVI Miles leads at 2.4 mpd local and 3 mpd overseas, followed by the UOB KrisFlyer at 2 mpd flat. For dining specifically, the AMEX KrisFlyer Ascend and HSBC Revolution both reach category-leading rates but with different fee structures and conditions.
Annual Fee vs Miles Value
Annual fees range from $160.50 (HSBC Revolution) to $337.05 (AMEX KrisFlyer Ascend). The fee difference matters most for lower spenders — on $1,000 monthly spend, a $176 fee difference represents a larger proportion of total spend. The HSBC Revolution offers the lowest entry cost but its 0.4 mpd base rate means non-bonus spend generates minimal miles. The UOB KrisFlyer at $192.60 provides a consistent 2 mpd without category tracking. The AMEX KrisFlyer Ascend at $337.05 requires significant dining and travel spend to justify the premium over the base AMEX KrisFlyer at $176.55. Each card's value proposition depends on individual spending patterns rather than headline rates alone.
Frequently Asked Questions
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 $1 charged to the card. Higher mpd rates mean faster miles accumulation.
How do I transfer bank points to KrisFlyer?
Most bank reward points can be transferred to KrisFlyer through the bank's online rewards portal or mobile app. Citi Miles, DBS Points, UOB UNI$, and OCBC reward points each have their own transfer process and ratio. Transfers typically take 1-5 business days to appear in the KrisFlyer account. Direct KrisFlyer co-brand cards (UOB KrisFlyer, AMEX KrisFlyer) credit miles automatically without a transfer step.
How many miles do I need for a flight to Tokyo?
A one-way KrisFlyer Saver Award flight from Singapore to Tokyo in Economy class requires approximately 25,000 miles based on the KrisFlyer award chart. Business class requires approximately 62,000 miles one-way. Availability varies by date and route, and peak pricing tiers may require more miles. Round-trip flights require double the one-way mileage.
Do miles expire?
KrisFlyer miles expire 36 months after they are earned. However, bank reward points (such as Citi Miles, DBS Points, and UOB UNI$) may have different expiry policies — Citi Miles, for example, do not expire while the account is open. Check each bank's terms for their specific reward points expiry rules before transferring to KrisFlyer.
Can I combine miles from different cards?
Miles from different cards can be combined in a single KrisFlyer account by transferring bank reward points from multiple cards to the same KrisFlyer membership number. Cards from different banks can all feed into one KrisFlyer account. Direct KrisFlyer co-brand cards (UOB KrisFlyer, AMEX KrisFlyer) must be linked to the same KrisFlyer account during application to accumulate together.
Are miles earned on annual fee payments?
Most Singapore credit cards do not award miles or reward points on annual fee charges. The annual fee is typically excluded from miles-earning transactions. Check the specific card terms for confirmation, as policies vary by issuer.
Last verified: April 2026
Explore Individual Cards
UOB KrisFlyer Card
UOB · 2 mpd base
AMEX KrisFlyer Credit Card
American Express · 1.1 mpd base
AMEX KrisFlyer Ascend
American Express · 1.2 mpd base
Citi PremierMiles Visa
Citi · 1.2 mpd base
DBS Altitude Visa Signature
DBS · 1.2 mpd base
UOB PRVI Miles
UOB · 2.4 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 · 1.2 mpd base
SGfi provides general information and comparison tools for educational purposes only. This does not constitute financial advice. Please consult a licensed financial advisor 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.
SGfi is not a licensed financial advisor under MAS regulations. All miles values are KrisFlyer Saver Award Chart estimates. Actual availability may vary.