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S$30K+ / YEAR

Starter Kakis

Your first two cards, your first award trip — no atas fees, no spreadsheet PhD.

See the card shortlist ↓Not sure? Take the 2-min quiz
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Your game plan in 3 steps

The no-drama version. Copy-paste lah.

  1. 1

    Pick one 4 mpd specialist

    Point it at your biggest category (food delivery, online, dining) and stay under the S$1k/month cap.

  2. 2

    Add one no-fuss general card

    Everything else goes on a 1.3–1.4 mpd card that transfers to KrisFlyer.

  3. 3

    Book Saver tickets a year ahead

    Aim for Saver award seats. They usually open about 355 days before the flight, so book around a year in advance for the best chance.

Card shortlist

Ranked for Starter Kakis. Tap a card for the bank's official page.

Rates checked 3 Nov 2026 — always confirm on the bank's site.

#1 Our top pick
UOB PRVI Miles Card card

UOB PRVI Miles Card

Simplest all-rounder at S$30k: 1.4 mpd local, 2.4 overseas, KrisFlyer transfers and 4 lounge visits.

Earn
1.4 mpd local · 2.4 mpd overseas (3 mpd in MY/ID/TH/VN)
Up to 8 mpd on hotels/airlines via UOB's Agoda & Expedia links
Cap
No cap on base miles
Annual fee
S$261.60 · First year waived
Min income
S$30,000 (SG/PR) · S$40,000 (foreigners)
Key perk
4 Priority Pass lounge visits a year
Best for
One-card-only kakis & regional trips
Official page →Source
#2 Best for online & food delivery
Citi Rewards Card card

Citi Rewards Card

10X points on online spend incl. Grab, food delivery and online groceries.

Earn
1X points on other spend
10X points on online spend (incl. online groceries, food delivery, ride-hailing) and in-store fashion/department stores
Cap
Bonus capped at 9,000 bonus points per statement month (≈S$1,000 of 10X spend)
Annual fee
S$196.20 · First year waived
Min income
S$30,000 (SG/PR) · S$42,000 (foreigners)
Key perk
Points valid 60 months
Best for
Online shopping, food delivery & Grab
Official page →Source
#3 Best for ladies — one category
UOB Lady's Card card

UOB Lady's Card

4 mpd on the one category you spend most on.

Earn
0.4 mpd on other spend
4 mpd on 1 category you choose (Dining, Travel, Family, Fashion, Beauty & Wellness, Transport or Entertainment)
Cap
Bonus capped at S$1,000 spend per calendar month
Annual fee
S$196.20
Min income
S$30,000 (SG/PR) · S$40,000 (foreigners)
Key perk
Up to 10 mpd when paired with a UOB Lady's Savings Account balance
Best for
Ladies who spend mostly in one category
Official page →Source
#4 Best "never expire" miles
DBS Altitude Card card

DBS Altitude Card

DBS Points don't expire — good if you earn slowly.

Earn
1.3 mpd local · 2.2 mpd overseas
Cap
No cap
Annual fee
S$196.20 · 1 year
Min income
S$30,000 (SG/PR ≤55) · S$45,000 (foreigners)
Key perk
DBS Points never expire
Best for
Steady miles that never expire
Official page →Source
#5 Best for tap-to-pay dining
HSBC Revolution Credit Card card

HSBC Revolution Credit Card

4 mpd on contactless & online dining/shopping — needs S$65k if new to HSBC.

Earn
1X points on other spend
Up to 4 mpd (10X points) on contactless & online dining, shopping, travel, ride-hailing
Cap
Bonus capped at 9,000 bonus points per calendar month (≈S$1,000)
Min income
S$65,000 for new HSBC customers (S$30,000 with S$50k+ HSBC balances)
Key perk
Up to 8 mpd with S$50k in an HSBC Everyday Global Account
Best for
Tap-to-pay dining & online spend
Official page →Source

Sweet spots for your tier

Where your miles go furthest.

Short-haul Saver awards

Bali, Bangkok, Penang — the cheapest way to see what miles can do.

Off-peak school holidays

Book the moment award space opens; families need 3-4 seats together.

Stack the welcome bonus

One new card, hit the minimum spend on planned expenses — never spend extra just for miles.

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