Frequent Flyer Credit Cards

Want to earn points for flights, accommodation and other rewards? Compare frequent flyer credit cards and get to your next destination faster.

Last updated:

Frequent flyer credit cards offer you points for every S$1 spent, which you can then redeem flights, upgrades and other rewards. You can also enjoy a range of additional features including complimentary travel insurance, bonus point’s offers, airline lounge access and promotional interest rates.

Compare your frequent flyer credit cards options below, plus learn how these cards work, tips for earning and using points and insights to help you choose the right card for you.

American Express Singapore Airlines KrisFlyer Credit Card

American Express Singapore Airlines KrisFlyer Credit Card

Receive up to 26,600 KrisFlyer miles welcome bonus

Offer ends 30 June 2019

Eligibility criteria, terms and conditions, fees and charges apply

American Express Singapore Airlines KrisFlyer Credit Card

Apply today and earn miles for every S$1 spent on eligible purchases with your credit card, including a 1 year fee waiver.

  • Principal Annual Fee: S$0 annual fee for 1 year - S$176.55 thereafter.
  • Cashback Rate: 0%
  • Annual Interest Rate: 25.9%
  • Minimum Income (Singaporean & PR): S$30,000
  • Minimum Income (Non-Singaporean): S$60,000
Go to site
Promoted

Compare Frequent Flyer Credit Cards

Name Product Balance transfer rate Reward Annual Fee Min Income - Singaporean and PR
0%
Get up to 1.1 KrisFlyer miles for every S$1 spent
S$0 annual fee for 1 year - S$176.55 thereafter
S$30,000
Earn 7,500 bonus KrisFlyer miles when you spend S$5,000 within three months of card approval. Ends 30 September 2019.
0%
Up to 5X Rewards points (2 miles per S$1 spent) on online, dining and entertainment purchases
S$0 annual fee for 2 years - S$160.50 thereafter
S$30,000
Get free Samsonite T5 68cm Spinner luggage with built-in scale worth S$560 or S$150 cash back when you spend S$800 in qualifying transactions from card approval to the end of the following month. T&Cs apply. Ends 30 Sep 2019.
0%
Up to 50% off your food bill for unlimited visits at hotels around Singapore
S$321 annual fee
S$50,000
Receive a 1-night stay at Swissotel Singapore (worth S$529) when you pay the annual fee upon card approval and spend S$4,500 in the first 3 months. T&Cs apply. Ends 30 September 2019.
0%
Get up to 1.2 KrisFlyer miles for every S$1 spent
S$337.05 annual fee
S$50,000
Earn 15,000 bonus KrisFlyer miles when you spend S$10,000 within three months of card approval. Ends 30 September 2019.
0%
2 Citi Miles for every S$1 spent overseas and 1.2 Citi Miles per S$1 spent locally
S$0 annual fee for 1 year - S$192.60 thereafter
S$30,000
Receive 30,000 miles when you spend S$7,500 in the first 3 months and pay the annual fee.
1%
Earn 5 ThankYou Points (2 Miles) per S$1 overseas spend and 3.25 ThankYou Points per S$1 local spend
S$535 annual fee
S$120,000
Receive a welcome gift of 62,500 Citi ThankYou Points (25,000 Miles). Ends 31 December 2019.
0%
Earn 1 TREATS Points per dollar spent
S$0 annual fee for 2 years - S$180 thereafter
S$30,000
Get up to S$1 million in Travel Accident Insurance when you purchase flights or travel packages using your card.
0%
Earn up to 5X TREATS Points (2 air miles) on all spend
S$0 annual fee for 1 year - S$600 thereafter
S$150,000
Get up to 8 complimentary single-trip airport limousine transfers. T&Cs apply. Ends 31 Dec 2019.
0%
Up to 3.2 Air Miles (8X TREATS Points) for every S$1 spent on dining, transport and hotel bookings via Agoda.com/horizon
S$0 annual fee for 3 years - S$150 thereafter
S$30,000
Receive an American Tourister Linex 66/24 Luggage TSA (worth S$260) when you charge to your card or withdraw from your CreditAble account with a minimum of S$300 within the first 2 months.
0%
10X TREATS Points (4 air miles) on every S$1 spent
S$0 annual fee for 1 year - S$240 thereafter
S$80,000
Receive an American Tourister Linex 66/24 Luggage TSA (worth S$260) when you charge to your card or withdraw from your CreditAble account with a minimum of S$300 within the first 2 months.

Compare up to 4 providers

How does a frequent flyer credit card work?

cf-ff-250x250Frequent flyer credit cards earn you points when you use them for eligible purchases. These cards earn a set number of points for every dollar spent (e.g. 1 point per S$1), which is known as the earn rate. This means the more you pay with plastic, the more frequent flyer rewards you can get. Depending on the type of rewards credit card you use, there are different ways to earn and redeem frequent points. Some cards credit points directly to your frequent flyer account and others allow you to transfer points to a variety of eligible frequent flyer account.

If you’re interested in getting a frequent flyer credit card, weigh up these pros and cons. Please keep in mind that these factors may vary depending on the card.

Benefits of choosing a frequent flyer credit card
  • Redeem flights and travel upgrades faster.
    By earning points on your everyday spend you can reach your rewards goals in less time.
  • Sign up bonus points.
    Some credit cards offer introductory bonus points, also called “Welcome Miles” as an incentive for new customers. These offers boost your points balance so you can redeem rewards such as flights and holidays faster
  • Large range of rewards.
    Use your points to redeem rewards including flights, hotels, online shopping and other lifestyle benefits.
  • Travel perks.
    Travel comfortably with flight vouchers, access to airline lounges and 24/7 concierge services.
  • Complimentary insurance.
    Save on stand-alone insurance costs and get peace of mind when travelling with complimentary insurance covers including travel insurance, interstate flight inconvenience insurance and purchase security insurance.
Risks when choosing a frequent flyer credit card
  • High interest rates.
    Frequent flyer credit cards often come with less competitive interest rates than other cards. As such, they are suited to cardholders who pay their balance off each month so that the accumulated interest doesn’t outweigh the value of the rewards.
  • Higher annual fees.
    As well as high interest rates, these cards often come with higher annual fees than no frills options.
  • Temptation to spend.
    If you struggle to repay your credit card on time or need to consolidate a debt, a rewards card might tempt you to spend for the sake of points when you should be reigning in your purchases.
  • Offer requirements.
    Frequent flyer credit cards that come with introductory offers or complimentary insurance may have specific spending requirements you need to meet to enjoy these benefits. For example, you may need to spend S$1,500 in the first 3 month you have a card to get bonus points, or pay for your travel with your credit card to get travel insurance.

Frequent Flyer alliances

Credit cards have become one of the most popular ways to earn frequent flyer points, with both direct and indirect methods for boosting your point balance. Now that you know more about how they work, the potential benefits and pitfalls and what you should consider when comparing frequent flyer credit cards, you can make a more informed decision about the next credit card you apply for so that it really works for you.

Pictures: Shutterstock

Frequent flyer credit card questions from our users

Since frequent flyer credit cards provide many benefits and features, choosing one can be a challenging task. Here, we answer the most popular questions from our users about frequent flyer credit cards and how to earn/ redeem points.

The most popular questions about earning frequent flyer points

The most popular questions about redeeming frequent flyer points

Compare frequent flyer cards and apply securely
Was this content helpful to you? No  Yes

Ask an Expert

You are about to post a question on finder.com:

  • Do not enter personal information (eg. surname, phone number, bank details) as your question will be made public
  • finder.com is a financial comparison and information service, not a bank or product provider
  • We cannot provide you with personal advice or recommendations
  • Your answer might already be waiting – check previous questions below to see if yours has already been asked

Finder.com provides guides and information on a range of products and services. Because our content is not financial advice, we suggest talking with a professional before you make any decision.

By submitting your comment or question, you agree to our Privacy and Cookies Policy and .

Questions and responses on finder.com are not provided, paid for or otherwise endorsed by any bank or brand. These banks and brands are not responsible for ensuring that comments are answered or accurate.
Go to site