Rewards credit card FAQs
Miles per dollar: how many airline miles one Singapore dollar of spend earns once the bank's points are converted. Banks state earn rates in their own points, so we show the bank's figure and its unit.
Best rewards credit cards
Rewards cards in Singapore pay points or miles per dollar spent, often with a bonus rate on set categories up to a monthly cap. Compare earn rates, caps, welcome gifts and the fee after any waiver, with every figure taken from the bank's own pages.
- Bonus points on dining, online or travel spend
- Welcome gifts for new cardmembers
- Points convert to KrisFlyer miles on many cards
FeaturedAmerican Express Singapore Airlines KrisFlyer Credit Card
American Express
•••• •••• •••• ••••
Credit Card CompareAmerican Express
- 16,000 bonus points
- Complimentary travel insurance
How many points could you earn?
Enter your monthly spend to see estimated annual points for each card below.
Compare 10 rewards credit cards
| Card | Name and rating | Rewards program | Earn rate | Sign-up bonus | Annual fee | Est. points / yr | |
|---|---|---|---|---|---|---|---|
HSBCSignature •••• •••• •••• •••• Credit Card CompareVisa | HSBC Reward points | 10 pts per S$1Capped | 42,000 pts | S$0 | 78,000 ptsWorth S$468 | ||
CitiSignature •••• •••• •••• •••• Credit Card CompareVisa | Citi ThankYou Rewards | 10 pts per S$1Capped | 40,000 pts | S$0 | 76,000 ptsWorth S$456 | ||
MaybankSignature •••• •••• •••• •••• Credit Card CompareVisa | Maybank TREATS Points | 7 pts per S$1Uncapped | — | S$196.20 | 108,000 ptsWorth S$648 | ||
UOB •••• •••• •••• •••• Credit Card CompareMastercard | UOB UNI$ | 1.4 pts per S$1Uncapped | — | S$0 | 50,400 ptsWorth S$1,512 | Application60 second approval | |
American Express •••• •••• •••• •••• Credit Card CompareAmerican Express | Singapore Airlines KrisFlyer | 2 pts per S$1Capped | 16,000 pts | S$0 | 55,600 ptsWorth S$834 | ||
OCBC •••• •••• •••• •••• Credit Card CompareMastercard | OCBC 90°N Miles | 6.5 90°N Miles per S$5Uncapped | 22,000 pts | S$0 | 68,800 ptsWorth S$1,032 | ||
Citi •••• •••• •••• •••• Credit Card CompareMastercard | — | — | — | S$196.20 | |||
OCBC •••• •••• •••• •••• Credit Card Compare | — | — | — | S$196.20 | |||
Standard Chartered •••• •••• •••• •••• Credit Card Compare | — | — | — | S$0 | |||
UOB •••• •••• •••• •••• Credit Card Compare | — | — | — | S$0 | Application60 second approval |
Rewards by the numbers
10
Cards compared
30,000 pts
Average sign-up bonus
10 pts per S$1
Top earn rate
S$59
Average annual fee
How do rewards cards compare?
View all →- American Express Singapore Airlines KrisFlyer Credit CardvsCiti Rewards Card
- American Express Singapore Airlines KrisFlyer Credit CardvsHSBC Revolution Credit Card
- American Express Singapore Airlines KrisFlyer Credit CardvsMaybank Horizon Visa Signature Card
- American Express Singapore Airlines KrisFlyer Credit CardvsOCBC 90°N Mastercard
- American Express Singapore Airlines KrisFlyer Credit CardvsUOB PRVI Miles Card
- Citi Rewards CardvsHSBC Revolution Credit Card
Build your own comparison
Choose 2 or 3 cards to compare side by side.
Questions and answers
Anonymous25 Jun 2026
Do rewards cards usually have a minimum monthly spend to earn points?
Credit Card CompareEditor26 Jun 2026
No minimum spend applies on most rewards cards: points accrue per dollar from the first transaction. A card's sign-up bonus is different and often does carry a minimum-spend condition within a set window, so check that separately from the ongoing earn rate.
Related card types
Sources
- Credit Card Compare
- How CardIQ scores cards