Best Travel Credit Cards Singapore 2026: Earn Miles

Plan your next holiday from Singapore? The right travel credit card can help you earn miles from your everyday spending and enjoy most useful travel perks such as airport lounge access, travel insurance, and overseas rewards.

But with many credit cards in Singapore, choosing one can be confusing. Some cards are better for overseas spending, while others are more suitable if you want earn miles from your everyday spending or enjoy hotel and airline benefits.

In this guide, I will compare some of the best travel credit cards including mile earn rates, annual fees, and travel benefits. This guide can help you find a card that suits your spending habits.

Best Travel Credit Cards in Singapore at a Glance

DBS Altitude Card

Best for: Frequent travellers looking for an all round travel card

The DBS Altitude Card is one of the more straightforward options if your main goal is to earn miles from both local and overseas spending.

You can earn up to 2.2 miles per S$1 on retail spending, while DBS Points do not expire. The card also comes with travel related privileges and Priority Pass benefits.

For Singaporeans and Singapore PRs, the minimum annual income requirement is S$30,000 for those aged 21 to 55, while those aged 56 and above have a minimum income requirement of S$15,000. The principal card annual fee is S$196.20 including GST.

One current 2026 promotion allows new DBS/POSB credit card customers to choose between a Samsonite MINTER 80/30 Trunk worth S$680 or up to 38,000 miles, subject to the promotion's qualifying requirements.

Why consider it?

• Earn up to 2.2 miles per S$1
• DBS Points do not expire
• Priority Pass benefits
• Travel promotions with selected partners
• Useful if you want one card for both local and overseas spending

UOB PRVI Miles Card

Best for: Singaporeans who spend frequently overseas

If you travel often, the UOB PRVI Miles Card is particularly attractive because of its overseas earn rates.

You can earn 3 miles per S$1 on eligible spending in Malaysia, Indonesia, Thailand and Vietnam, and 2.4 miles per S$1 on other overseas spending. Local spending earns 1.4 miles per S$1.

This makes it especially relevant for Singaporeans who frequently visit nearby destinations such as Johor Bahru, Bangkok, Bali or Kuala Lumpur.

The card also provides four complimentary Priority Pass lounge visits per calendar year for principal cardholders.

Another interesting benefit is the ability to earn up to 8 miles per S$1 on selected hotel and airline bookings through participating Agoda and Expedia channels, subject to the specific booking requirements.

Why consider it?

• Up to 3 miles per S$1 on selected overseas spending
• 2.4 miles per S$1 on other overseas spending
• 1.4 miles per S$1 locally
• Four complimentary airport lounge visits annually
• Complimentary travel insurance
• Up to 8 miles per S$1 on selected travel bookings

OCBC 90°N Card

Best for: Travellers who want miles that do not expire

The OCBC 90°N Card is another good option for Singaporeans who want to collect miles without worrying about an expiry date.

The card currently earns 1.3 miles per S$1 on local spending and 2.1 miles per S$1 on foreign currency spending. There is no cap on the amount of 90°N Miles you can earn each month.

Your 90°N Miles can be converted to KrisFlyer miles and other airline or hotel loyalty programmes. You can also use them for cash rebates and vouchers.

For Singaporeans and Singapore PRs, the minimum annual income requirement is S$30,000 for those aged 21 to 54 and S$15,000 for those aged 55 and above.

Why consider it?

• 2.1 miles per S$1 overseas
• 1.3 miles per S$1 locally
• Miles do not expire
• Redeem for airline miles, cashback and vouchers
• Can be useful for both travel and everyday spending

HSBC TravelOne Card

Best for: Travellers who want flexible airline and hotel rewards

The HSBC TravelOne Credit Card is worth considering if you want more flexibility when redeeming your rewards.

You can earn up to 2.4 miles per S$1 on foreign currency spending and up to 1.2 miles per S$1 on local spending. The card also supports instant redemption with a range of airline and hotel partners.

Cardholders also receive four complimentary airport lounge visits per year and complimentary travel insurance. HSBC states that the travel insurance can provide up to S$150,000 in overseas medical expenses when the full cost of the air ticket is charged to the card, subject to the policy terms.

The annual fee is S$196.20 including GST. From the second year onwards, the fee can be waived if you spend more than S$25,000 a year.

Why consider it?

• Up to 2.4 miles per S$1 overseas
• Up to 1.2 miles per S$1 locally
• Four complimentary lounge visits annually
• Flexible airline and hotel partners
• Complimentary travel insurance
• Instant redemption available

How to Choose the Best Travel Credit Card

There is no single best travel credit card for everyone. The right card depends on where you spend and how often you travel.

For Frequent Overseas Travellers

If you regularly spend in foreign currencies, look closely at the overseas earn rate.

The UOB PRVI Miles Card stands out for travellers visiting Malaysia, Indonesia, Thailand and Vietnam, where eligible spending can earn 3 miles per S$1.

For Everyday Spending

If you want to use your card both in Singapore and overseas, look at the base earn rate rather than only the promotional rates.

The DBS Altitude, UOB PRVI Miles, OCBC 90°N and HSBC TravelOne all offer ways to earn miles from everyday spending, but the rates and qualifying conditions differ.

For Airport Lounge Access

Airport lounge access can be useful if you travel several times a year.

Both UOB PRVI Miles and HSBC TravelOne currently offer four complimentary lounge visits per year for principal cardholders.

For Miles That Do Not Expire

If you prefer to accumulate miles slowly instead of rushing to redeem them, the OCBC 90°N Card is worth considering because its 90°N Miles do not expire.

Things to Check Before Applying Travel Credit Card

Before choosing a travel credit card, don't only at the headline miles rate. Check these details carefully:

Annual fee

Many travel cards charge around S$196.20 a year, including GST. Some banks allow the fee to be waived if you meet certain spending requirements, while others offer bonus miles if you pay the annual fee.

Foreign Currency Fees

A card may offer a high overseas miles rate, but you should also consider the foreign currency transaction fees. The actual value of your rewards depends on both the miles earned and the cost of making the transaction

Miles Conversion Fees

Check whether your bank charges a fee when converting points into airline miles. This can affect the overall value of your rewards.

Minimum Spending Requirements

Welcome bonuses can look attractive, but they often require you to spend a certain amount within a specific period. Only apply for a card if the required spending fits naturally into your budget.

Travel Insurance Conditions

Travel insurance from a credit card usually comes with conditions. For example, HSBC states that the full cost of the air ticket must be charged to the HSBC TravelOne Card for the stated overseas medical coverage to apply.

Tips to Maximise Your Travel Credit Card

Getting a travel credit card is only the first step. You can get more value from it by using it strategically.

1. Use the right card for overseas spending

Check whether your card offers bonus miles for the country or currency you are spending in.

2. Pay for eligible travel bookings with your card

Flights, hotels and travel activities can help you accumulate miles, especially when your card offers bonus rates for travel bookings.

3. Track your welcome bonus requirements

Set a reminder for the spending deadline so you don't accidentally miss out on your welcome rewards.

4. Don't spend more just to earn miles

Miles are not free money. Paying interest on an unpaid credit card balance can easily outweigh the value of the miles you earn.

5. Pay your balance in full

For most travellers, the best way to use a travel credit card is to treat it like a payment tool rather than a way to borrow money.

Best Travel Credit Card for Singaporeans

The best travel credit card depends on your travel style and spending habits.

For frequent overseas spending in Southeast Asia, UOB PRVI Miles is particularly attractive because eligible spending in Malaysia, Indonesia, Thailand and Vietnam earns up to 3 miles per S$1.

For a general all round travel card, DBS Altitude offers miles on retail spending together with travel related privileges.

If you want miles that never expire, OCBC 90°N is an option worth considering.

For travellers who value flexible airline and hotel redemptions, HSBC TravelOne offers instant redemption and access to multiple travel partners.

Ultimately, don't choose a card simply because it advertises the highest number of miles. Compare the earn rate, annual fee, foreign currency charges, lounge benefits, travel insurance and redemption options to find the card that actually fits your travel habits.