Rates checked 3 Nov 2026 — always confirm on the bank's site.
#1 Our top pick
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 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
CitibankCiti ULTIMA Card
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 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
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