Join the Kampung
S$500K+ / YEAR

Towkays

Premium perks, big transfers, and first-class tea for the boss.

Photo: Pexels

Your game plan in 3 steps

The no-drama version. Copy-paste lah.

  1. 1

    Get on the invite list

    Most Towkay cards are invitation-only — talk to your relationship manager.

  2. 2

    Let the fee pay you back

    Six-figure mile bonuses on renewal can outweigh the fee if you redeem well.

  3. 3

    Aim for first class & suites

    Use the big bonuses for first-class or suites, and keep a 4 mpd card for daily spend.

Card shortlist

Ranked for Towkays. 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 Reserve Card card

UOB Reserve Card Invite

1.6 mpd local / 2.4 overseas and 100,000 miles every year you pay the fee.

Earn
1.6 mpd local · 2.4 mpd overseas · 2 mpd on selected local luxury brands
Cap
No cap stated
Annual fee
S$3,924 (non-waivable) · 100,000 miles on joining/renewal
Min income
S$500,000 · by invitation
Key perk
Extra 100,000 miles on renewal with S$250k spend
Best for
Towkays with big annual spend
#2 Best for concierge service
DBS Insignia Visa Infinite card

DBS Insignia Visa Infinite Invite

1.6 / 2 mpd, 100,000 bonus miles per fee-paying year, 24/7 concierge.

Earn
1.6 mpd local · 2 mpd overseas
Fee perk
100,000 bonus miles every fee-paying year
Min income
By invitation (DBS Treasures / Private Bank)
Key perk
24/7 Insignia concierge; up to S$1m credit limit
Best for
DBS Treasures clients who want concierge-level service
#3 The invite-only flex

Citi ULTIMA Card Invite

Citi's flagship — earn rates aren't published publicly.

Earn
Earn rates not published on Citi's public pages
Annual fee
S$4,237.92 (supplementary cards free)
Min income
By invitation only
Key perk
Invite-only Citi flagship
Best for
Citigold Private clients who get the call
#4 Best for banking balances
SC Priority Banking Visa Infinite card

SC Priority Banking Visa Infinite Invite

Earns points on deposits & investments, not just spend.

Earn
1 mpd on all spend + 360° points on deposits & investments
Annual fee
S$327 · First year waived
Min income
S$30,000 + Priority/Private Banking relationship
Key perk
Earn points on your banking balances, not just spend
Best for
Big balances at Standard Chartered Priority
#5 Best no-invite fallback
DBS Vantage Card card

DBS Vantage Card

Apply-yourself premium card: 1.4 / 2.2 mpd and 10 lounge visits.

Earn
1.4 mpd local · 2.2 mpd overseas
Cap
No cap stated
Annual fee
S$599.50 · 25,000 miles credited when the fee is paid
Min income
S$120,000
Key perk
10 Priority Pass visits a year + Accor Plus 2-night stays
Best for
Lounge-loving families who pay the fee for the miles

Sweet spots for your tier

Where your miles go furthest.

First class & suites

Where big mile balances deliver the most value per mile.

Hotel status shortcuts

Premium cards often bundle hotel programme perks — check yours.

Bills & taxes

Payment facilities let big bills earn miles for a fee — only when it beats cash.

Free · Kampung Starter Pack

Send me my Starter Pack

  • ✓ The 2-page miles cheat sheet
  • ✓ Towkays card picks, updated when banks change things
  • ✓ Deal alerts the minute they drop