Best Travel Credit Cards in Singapore
For travellers, the goal is miles you can redeem for flights — ideally with a strong foreign-currency earn rate and lounge access. These cards are built for that, though remember a foreign transaction fee still applies on overseas spend.
- 1Miles
Citi PremierMiles Card
Citibank
Why it fits: Non-expiring miles, wide transfer-partner list and lounge access — a long-standing default.
Annual fee S$196.20 · Min income S$30,000
Pros
- +Citi Miles never expire, so no rush to redeem
- +~2.2 mpd on foreign spend, good for travel
- +Wide transfer-partner list for flexible redemptions
- +Lounge access; first-year fee waived
Cons
- −S$196.20 annual fee from year two onward
- −Low ~1.2 mpd on local spend
- −Not especially beginner-friendly
- Miles
Why it fits: Beginner-friendly travel miles, non-expiring, with lounge visits.
Annual fee S$196.20 · Min income S$30,000
Pros
- +Beginner-friendly all-rounder for general spend + travel
- +Miles never expire, so no rush to redeem
- +Decent ~2.2 mpd on overseas spend for travel
- +Airport lounge access included
Cons
- −S$196.20 annual fee; auto spend-waiver ends Aug 2026
- −Low ~1.3 mpd base rate on local spend
- −Visa-only, no Amex perks for this card
- Miles
Why it fits: Geared to heavy and overseas spenders, with a strong foreign earn rate.
Annual fee S$261.60 · Min income S$30,000
Pros
- +First-year annual fee waived (S$261.60 thereafter)
- +~2.4 mpd base on foreign spend, good for overseas use
- +Airport lounge access included
- +Visa option means wider acceptance than Amex variant
Cons
- −S$261.60 annual fee from year two onwards
- −Local rate only ~1.4 mpd, weak for SG spend
- −Standard foreign-currency fee still applies on FX spend
- 4Miles
Standard Chartered Journey Credit Card
Standard Chartered
Why it fits: All-rounder with solid foreign earn and bonus categories useful day to day.
Annual fee S$196.20 · Min income S$30,000
Pros
- +Up to 3 mpd on selected transport, grocery & food delivery
- +Solid all-rounder: ~1.2 mpd local, ~2 mpd foreign base
- +Points convert to airline miles for flexible redemptions
- +Comes with lounge access
Cons
- −S$196.20 annual fee from year 2 (first year waived)
- −3 mpd capped and limited to selected categories only
- −Low ~1.2 mpd on general local spend
Frequently asked questions
- What's the best travel credit card in Singapore?
- It depends on where you spend and how you redeem — there's no single winner. Compare foreign earn rates, lounge access and fees against your own travel habits, and confirm current terms with the issuer.
- Do travel cards still charge a foreign transaction fee?
- Almost always, yes — even cards with high overseas earn rates apply a foreign transaction fee. Weigh the extra miles against that fee.