Miles vs Cashback

Maybank Horizon Visa Signature Card

A travel miles card geared to overseas and air-ticket spend, with a higher earn rate unlocked by a monthly minimum spend, plus lounge access and travel insurance.

Issuer
Maybank
Network
Visa
Rewards
Miles
Annual fee
Annual fee, often waivable
Strong overseasLounge access
TravelOverseas spendDining

Pros

  • +Foreign currency earn rises to 2.8 mpd (uncapped) when you spend at least S$800 in the same calendar month
  • +Annual fee waived for the first three years, then waivable with S$18,000 annual spend
  • +Complimentary access to selected airport lounges in Singapore, Kuala Lumpur and Hong Kong (with a qualifying S$1,000 single-receipt retail spend), plus travel insurance cover
  • +Lower S$30,000 income requirement for Singaporeans/PRs than many other miles cards

Cons

  • −Bonus 2.8 mpd rate only applies if you spend at least S$800 in the same calendar month; below that, foreign spend earns 1.2 mpd and base local spend just 0.4 mpd
  • −Air ticket bonus is capped at S$10,000 per month, after which it reverts to 1.2 mpd
  • −Earns TREATS Points that expire after 12-15 months and must be converted to miles with conversion fees and minimum redemption blocks
  • −Foreigners need a high S$60,000 minimum annual income to qualify
Annual feeS$196.20as of 16 Jun 2026
Miles per $1 (local)0.4 mpdas of 16 Jun 2026
Miles per $1 (foreign)1.2 mpdas of 16 Jun 2026
Min. income (S'porean/PR)S$30,000/yras of 16 Jun 2026
Min. income (foreigner)S$60,000/yras of 16 Jun 2026

Eligibility: Minimum annual income S$30,000 for Singaporeans/PRs, S$45,000 for Malaysian citizens, and S$60,000 for foreigners (employed 1 year+). Applicants must be 21 years or older.

Who it’s for

The Maybank Horizon Visa Signature Card is a air miles card from Maybank, best suited to people who spend on travel, overseas spend and dining. It's strong for overseas spend and includes lounge access. It carries an annual fee that can often be waived. Confirm the current terms before applying.

View official detailsAlways confirm the latest fees, rates and terms on the issuer’s site.

Sources

Last reviewed 16 Jun 2026.

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